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CD Rate Trends

Milwaukee, Wisconsin Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 23, 2026

Milwaukee, Wisconsin CD rates range from 0.01% to 6.00% APY, verified by MonitorBankRates as of October 23, 2026. Current Milwaukee, Wisconsin CD rates include Marine Credit UnionMarine Credit Union333 N 35th St, Milwaukee, WI 53208A5.0 ★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, Cranberry Federal Credit UnionCranberry Federal Credit Union600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807A+5.0 ★Texas Ratio: 5.35%Real return: +0.89%APY minus CPIRate verified Oct 23, 2026 offering 12-Month Traditional/Roth IRA CD at 4.59% APY, CIBCCIBC743 N Water St, Milwaukee, WI 53202A+5.0 ★Texas Ratio: 5.05%Real return: +0.80%APY minus CPIRate verified Oct 20, 2026 offering 12-month CD at 4.50% APY, Bank Five NineBank Five Nine400 E Wisconsin Ave, Milwaukee, WI 53202A5.0 ★Texas Ratio: 8.25%Real return: +0.80%APY minus CPIRate verified Oct 20, 2026 offering 60 Month CD at 4.50% APY, and Ixonia BankIxonia Bank611 E Wisconsin Ave, Milwaukee, WI 53202A+5.0 ★Texas Ratio: 2.14%Real return: +0.80%APY minus CPIRate verified Oct 22, 2026 offering 3-Year CD at 4.50% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.

Milwaukee has 379 local institutions in our database, with CD rates as high as 4.66% APY from Marine Credit Union at 333 N 35th St, Milwaukee, WI 53208. 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 Milwaukee, Wisconsin & the Surrounding Area

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Milwaukee 3 Month CD Rates

Wisconsin 3 Month CD Average1.53% APYNational 2.13%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
5630 W Fond Du Lac Ave, Milwaukee, WI 53216
3 Month Certificates
$0
3.90% ▲ 2.37% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average1.53%▲ 2.37% above avgNationally 2.13%
Details

Dividend rate from comparison table

Rate History
No change since Oct 22, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 22, 2026: 3.90% APYOct 22, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
3 Month IRA Certificates
$0
2.85% ▲ 1.32% above Wisconsin avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average1.53%▲ 1.32% above avgNationally 2.13%
Details

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

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 8 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
3 Month Regular Certificate
$0
2.85% ▲ 1.32% above Wisconsin avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average1.53%▲ 1.32% above avgNationally 2.13%
Details

Certificates with $250,000 Minimum; Open Account

Rate History
No change since Oct 13, 2026 · 2.85% APY · checked 2 times
2.35%2.85%3.35%Oct 13, 2026: 2.85% APYOct 13, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
3 Month IRA Certificates
$0
2.80% ▲ 1.27% above Wisconsin avg
View
▼
Rate2.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average1.53%▲ 1.27% above avgNationally 2.13%
Details

Minimum balance $10,000

Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 4 times
2.30%2.80%3.30%Sep 14, 2026: 2.80% APYSep 14, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
3 Month Regular Certificate
$0
2.80% ▲ 1.27% above Wisconsin avg
View
▼
Rate2.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average1.53%▲ 1.27% above avgNationally 2.13%
Details

Certificates with $10,000 Minimum

Rate History
No change since Oct 19, 2026 · 2.80% APY
2.30%2.80%3.30%Oct 19, 2026: 2.80% APYOct 19, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
IRA Certificates - 3 Months
$0
2.80% ▲ 1.27% above Wisconsin avg
View
▼
Rate2.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average1.53%▲ 1.27% above avgNationally 2.13%
Details

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

Rate History
No change since Oct 9, 2026 · 2.80% APY · checked 3 times
2.30%2.80%3.30%Oct 9, 2026: 2.80% APYOct 9, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
3 Month Certificate - Regular
$0
2.75% ▲ 1.22% above Wisconsin avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average1.53%▲ 1.22% above avgNationally 2.13%
Details

Rate History
No change since Oct 13, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 13, 2026: 2.75% APYOct 13, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
3 Month IRA Certificate
$0
2.75% ▲ 1.22% above Wisconsin avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average1.53%▲ 1.22% above avgNationally 2.13%
Details

Rate History
No change since Oct 9, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 9, 2026: 2.75% APYOct 9, 2026Oct 25, 2026
Tri City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3701 S 27th St, Milwaukee, WI 53221
3 Month Certificates of Deposit
$500
2.00% ▲ 0.47% above Wisconsin avg
View
▼
Rate1.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average1.53%▲ 0.47% above avgNationally 2.13%
Details

Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Sep 18, 2026: 2.00% APYSep 18, 2026Oct 25, 2026
Tri City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3701 S 27th St, Milwaukee, WI 53221
Certificates of Deposit - 3 Months
$500
2.00% ▲ 0.47% above Wisconsin avg
View
▼
Rate1.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average1.53%▲ 0.47% above avgNationally 2.13%
Details

Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 4 times
1.50%2.00%2.50%Sep 18, 2026: 2.00% APYSep 18, 2026Oct 25, 2026
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
535 E Wells St, Milwaukee, WI 53202
Certificate of Deposit Accounts (CD) - 3 months
$2,000
1.76% ▲ 0.23% above Wisconsin avg
View
▼
Rate1.75%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average1.53%▲ 0.23% above avgNationally 2.13%
Details

Balance: $2,000.00 and over; Interest payment: At Maturity; Compounding: Simple

Rate History
No change since Oct 20, 2026 · 1.76% APY · checked 2 times
1.26%1.76%2.26%Oct 20, 2026: 1.76% APYOct 20, 2026Oct 25, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
333 N 35th St, Milwaukee, WI 53208
3 Month Jumbo Certificates
$0
1.55% ▲ 0.02% above Wisconsin avg
View
▼
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
1.05%1.55%2.05%Sep 22, 2026: 1.55% APYSep 22, 2026Oct 25, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
333 N 35th St, Milwaukee, WI 53208
3 Month Certificates
$0
1.50% ▼ 0.03% below Wisconsin avg
View
▼
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
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 25, 2026
Prime Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
4878 N Swan Rd, Milwaukee, WI 53225 4121
Certificate of Deposit (CD) - 3 Month
$0
0.75% ▼ 0.78% below Wisconsin avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average1.53%▼ 0.78% below avgNationally 2.13%
Details

Dividends compounded and paid at maturity

Rate History
No change since Oct 22, 2026 · 0.75% APY
0.25%0.75%1.25%Oct 22, 2026: 0.75% APYOct 22, 2026Oct 25, 2026
Brewery Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
1351 N DR MARTIN LUTHER KING JR DR, MILWAUKEE, WI 53212 4024
3 MONTH CERTIFICATE
$0
0.65% ▼ 0.88% below Wisconsin avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average1.53%▼ 0.88% below avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 6 times
0.15%0.65%1.15%Sep 14, 2026: 0.65% APYSep 14, 2026Oct 25, 2026
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
4000 S 27th St, Milwaukee, WI 53221
3 Month Certificate Account
$0
0.50% ▼ 1.03% below Wisconsin avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average1.53%▼ 1.03% below avgNationally 2.13%
Details

Maturity Date (Regular, Business or IRA)

Rate History
No change since Oct 14, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 14, 2026: 0.50% APYOct 14, 2026Oct 25, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
7600 W Hampton Ave, Milwaukee, WI 53218
Standard Fixed Rate CD 3 month - Relationship
$2,500
0.06% ▼ 1.47% below Wisconsin avg
View
▼
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
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Oct 25, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
7600 W Hampton Ave, Milwaukee, WI 53218
Standard Fixed Rate CD 3 month
$2,500
0.05% ▼ 1.48% below Wisconsin avg
View
▼
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
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 25, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2701 S Kinnickinnic Ave, Milwaukee, WI 53207
3 Month IRA Certificate of Deposit
$0
0.05% ▼ 1.48% below Wisconsin avg
View
▼
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
0.00%0.28%0.55%Oct 14, 2026: 0.05% APYOct 14, 2026Oct 25, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2701 S Kinnickinnic Ave, Milwaukee, WI 53207
3 Month Standard CD
$1,000
0.05% ▼ 1.48% below Wisconsin avg
View
▼
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
0.00%0.28%0.55%Oct 14, 2026: 0.05% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3470 S 27th St, Milwaukee, WI 53215
Certificate of Deposit - 3 Months
$1,000
0.03% ▼ 1.50% below Wisconsin avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average1.53%▼ 1.50% below avgNationally 2.13%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3470 S 27th St, Milwaukee, WI 53215
Certificate of Deposit - 3 Months
$1,000
0.02% ▼ 1.51% below Wisconsin avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average1.53%▼ 1.51% below avgNationally 2.13%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
250 E Wisconsin Ave, Milwaukee, WI 53202
3 month CD
$1,000
0.02% ▼ 1.51% below Wisconsin avg
View
▼
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
0.00%0.26%0.52%Oct 22, 2026: 0.02% APYOct 22, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3470 S 27th St, Milwaukee, WI 53215
Certificate of Deposit - 3 Months
$1,000
0.01% ▼ 1.52% below Wisconsin avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average1.53%▼ 1.52% below avgNationally 2.13%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
Holy Family Memorial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
3 Month Share Certificate
$1,000
3.96% ▲ 2.43% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average1.53%▲ 2.43% above avgNationally 2.13%
Details

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

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

Minimum $75,000.00 Terms tier

Rate History
1 change since Sep 25, 2026 · 3.41% → 3.92% ▲ 0.51 pts · high 3.92% / low 3.41%
2.90%3.67%4.43%Sep 25, 2026: 3.41% APYOct 23, 2026: 3.92% APYSep 25, 2026Oct 25, 2026
  • Oct 23, 20263.92%▲ from 3.41%
  • Sep 25, 20263.41%first recorded
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Jumbo Share Certificate (3 Month)
$10,000
3.90% ▲ 2.37% above Wisconsin avg
View
▼
Rate3.84%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average1.53%▲ 2.37% above avgNationally 2.13%
Details

No IRA Available

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

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

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

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

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

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

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

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

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

Balance: $20,000.00 Minimum

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

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

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

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

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

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

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

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

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

Minimum $500.00 Terms

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

No IRA Available

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

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

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

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

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

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

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

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

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

$1,000 or more

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

Effective October 18, 2026

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

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

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

Early Withdrawal Penalty: 30 Days

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

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

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

Rate History
No change since Sep 18, 2026 · 2.85% APY · checked 4 times
2.35%2.85%3.35%Sep 18, 2026: 2.85% APYSep 18, 2026Oct 25, 2026
West Pointe Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
Fixed Rate Certificates of Deposit - 3 Months
$1,000
2.83% ▲ 1.30% above Wisconsin avg
View
▼
Rate2.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average1.53%▲ 1.30% above avgNationally 2.13%
Details

Compounding: Monthly

Rate History
No change since Sep 14, 2026 · 2.83% APY · checked 2 times
2.33%2.83%3.33%Sep 14, 2026: 2.83% APYSep 14, 2026Oct 25, 2026

Milwaukee 6 Month CD Rates

Wisconsin 6 Month CD Average2.40% APYNational 2.78%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
743 N Water St, Milwaukee, WI 53202
6-month CD
$1,000
4.00% ▲ 1.60% above Wisconsin avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.78%
Details

Online Only; 30-day penalty if withdrawn before maturity

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.00% ▲ 0.44 pts · high 4.00% / low 3.56%
3.06%3.78%4.50%Sep 14, 2026: 3.56% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.00%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
611 E Wisconsin Ave, Milwaukee, WI 53202
6-Month CD
$1,000
4.00% ▲ 1.60% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.78%
Details

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

Rate History
1 change since Sep 20, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Sep 20, 2026: 3.90% APYOct 8, 2026: 4.00% APYSep 20, 2026Oct 25, 2026
  • Oct 8, 20264.00%▲ from 3.90%
  • Sep 20, 20263.90%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
333 N 35th St, Milwaukee, WI 53208
Certificate Special - 6-month
$0
4.00% ▲ 1.60% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.78%
Details

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

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 25, 2026
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
611 E Wisconsin Ave, Milwaukee, WI 53202
6-Month CD
$0
3.90% ▲ 1.50% above Wisconsin avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.40%▲ 1.50% above avgNationally 2.78%
Details

Open Account Online

Rate History
2 changes since Sep 20, 2026 · 3.90% → 3.90% ▼ 0.00 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Sep 20, 2026: 3.90% APYOct 8, 2026: 4.00% APYOct 22, 2026: 3.90% APYSep 20, 2026Oct 25, 2026
  • Oct 22, 20263.90%▼ from 4.00%
  • Oct 8, 20264.00%▲ from 3.90%
  • Sep 20, 20263.90%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4661 S 27th St, Milwaukee, WI 53221
6-Month Term CD
$1,000
3.75% ▲ 1.35% above Wisconsin avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.40%▲ 1.35% above avgNationally 2.78%
Details

Rate History
No change since Oct 19, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4661 S 27th St, Milwaukee, WI 53221
Term CD - 6-Month
$1,000
3.75% ▲ 1.35% above Wisconsin avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.40%▲ 1.35% above avgNationally 2.78%
Details

Minimum of $1,000 to open your account

Rate History
No change since Oct 19, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 25, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
6-Month Traditional/Roth IRA CD
$500
3.43% ▲ 1.03% above Wisconsin avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.40%▲ 1.03% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.43% APY · checked 9 times
2.93%3.43%3.93%Sep 14, 2026: 3.43% APYSep 14, 2026Oct 25, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
Certificates of Deposit (CD) - 6-Month
$500
3.43% ▲ 1.03% above Wisconsin avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.40%▲ 1.03% above avgNationally 2.78%
Details

Rate History
No change since Oct 13, 2026 · 3.43% APY · checked 2 times
2.93%3.43%3.93%Oct 13, 2026: 3.43% APYOct 13, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
6 Month IRA Certificates
$0
3.10% ▲ 0.70% above Wisconsin avg
View
▼
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
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
6 Month Regular Certificate
$0
3.10% ▲ 0.70% above Wisconsin avg
View
▼
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
2.60%3.10%3.60%Oct 13, 2026: 3.10% APYOct 13, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
6 Month IRA Certificates
$0
3.05% ▲ 0.65% above Wisconsin avg
View
▼
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
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
6 Month Regular Certificate
$0
3.05% ▲ 0.65% above Wisconsin avg
View
▼
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
2.55%3.05%3.55%Oct 19, 2026: 3.05% APYOct 19, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
IRA Certificates - 6 Months
$0
3.05% ▲ 0.65% above Wisconsin avg
View
▼
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
2.55%3.05%3.55%Oct 9, 2026: 3.05% APYOct 9, 2026Oct 25, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
333 N 35th St, Milwaukee, WI 53208
6 Month Jumbo Certificates
$0
3.05% ▲ 0.65% above Wisconsin avg
View
▼
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%
1.55%2.68%3.80%Sep 22, 2026: 2.30% APYOct 13, 2026: 3.05% APYSep 22, 2026Oct 25, 2026
  • Oct 13, 20263.05%▲ from 2.30%
  • Sep 22, 20262.30%first recorded
Tri City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3701 S 27th St, Milwaukee, WI 53221
6 Month Certificates of Deposit
$500
3.00% ▲ 0.60% above Wisconsin avg
View
▼
Rate2.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.40%▲ 0.60% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 25, 2026
Tri City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3701 S 27th St, Milwaukee, WI 53221
Certificates of Deposit - 6 Months
$500
3.00% ▲ 0.60% above Wisconsin avg
View
▼
Rate2.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.40%▲ 0.60% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 25, 2026
Bank Five Nine
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
400 E Wisconsin Ave, Milwaukee, WI 53202
6 Month CD
$1,000
3.00% ▲ 0.60% above Wisconsin avg
View
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.40%▲ 0.60% above avgNationally 2.78%
Details

Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 14, 2026: 3.00% APYOct 14, 2026Oct 25, 2026
Bank Five Nine
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
400 E Wisconsin Ave, Milwaukee, WI 53202
6 Month IRA
$100
3.00% ▲ 0.60% above Wisconsin avg
View
▼
Rate2.97%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.40%▲ 0.60% above avgNationally 2.78%
Details

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

Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 14, 2026: 3.00% APYOct 14, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
6 Month Certificate - Regular
$0
3.00% ▲ 0.60% above Wisconsin avg
View
▼
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
2.50%3.00%3.50%Oct 13, 2026: 3.00% APYOct 13, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
6 Month IRA Certificate
$0
3.00% ▲ 0.60% above Wisconsin avg
View
▼
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
2.50%3.00%3.50%Oct 9, 2026: 3.00% APYOct 9, 2026Oct 25, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
333 N 35th St, Milwaukee, WI 53208
6 Month Certificates
$0
3.00% ▲ 0.60% above Wisconsin avg
View
▼
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%
1.50%2.63%3.75%Sep 18, 2026: 2.25% APYOct 13, 2026: 3.00% APYSep 18, 2026Oct 25, 2026
  • Oct 13, 20263.00%▲ from 2.25%
  • Sep 18, 20262.25%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
600 N VEL R PHILLIPS AVE, MILWAUKEE, WI 53203 2807
Certificate - 6 Months
$0
2.53% ▲ 0.13% above Wisconsin avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.40%▲ 0.13% above avgNationally 2.78%
Details

Effective 08/03/2026

Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 8 times
2.03%2.53%3.03%Sep 14, 2026: 2.53% APYSep 14, 2026Oct 25, 2026
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
535 E Wells St, Milwaukee, WI 53202
Certificate of Deposit Accounts (CD) - 6 months
$2,000
2.01% ▼ 0.39% below Wisconsin avg
View
▼
Rate2.00%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.40%▼ 0.39% below avgNationally 2.78%
Details

Balance: $2,000.00 to $99,999.99; Interest payment: At Maturity; Compounding: Simple

Rate History
2 changes since Sep 18, 2026 · 3.32% → 2.01% ▼ 1.31 pts · high 3.32% / low 2.01%
0.70%2.67%4.63%Sep 18, 2026: 3.32% APYOct 2, 2026: 3.11% APYOct 20, 2026: 2.01% APYSep 18, 2026Oct 25, 2026
  • Oct 20, 20262.01%▼ from 3.11%
  • Oct 2, 20263.11%▼ from 3.32%
  • Sep 18, 20263.32%first recorded
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
535 E Wells St, Milwaukee, WI 53202
Individual Retirement Accounts (IRA) - 6 months
$300
2.01% ▼ 0.39% below Wisconsin avg
View
▼
Rate2.00%
Min Deposit$300
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.40%▼ 0.39% below avgNationally 2.78%
Details

Balance: $300.00 to $99,999.99; Interest Payment: At Maturity; Compounding: Simple

Rate History
2 changes since Sep 14, 2026 · 3.32% → 2.01% ▼ 1.31 pts · high 3.32% / low 2.01%
0.70%2.67%4.63%Sep 14, 2026: 3.32% APYOct 7, 2026: 3.11% APYOct 14, 2026: 2.01% APYSep 14, 2026Oct 25, 2026
  • Oct 14, 20262.01%▼ from 3.11%
  • Oct 7, 20263.11%▼ from 3.32%
  • Sep 14, 20263.32%first recorded
Wisconsin Latvian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1219 N Cass St, Milwaukee, WI 53202
6 Month Share Certificate
$5,000
2.00% ▼ 0.40% below Wisconsin avg
View
▼
Rate1.99%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.40%▼ 0.40% below avgNationally 2.78%
Details

Minimum deposit: $5,000

Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 5 times
1.50%2.00%2.50%Sep 18, 2026: 2.00% APYSep 18, 2026Oct 25, 2026
Wisconsin Latvian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1219 N Cass St, Milwaukee, WI 53202
6 Month Share Certificate
$5,000
1.50% ▼ 0.90% below Wisconsin avg
View
▼
Rate1.49%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.40%▼ 0.90% below avgNationally 2.78%
Details

Share Certificates - minimum deposit: $5,000

Rate History
1 change since Sep 18, 2026 · 2.00% → 1.50% ▼ 0.50 pts · high 2.00% / low 1.50%
1.00%1.75%2.50%Sep 18, 2026: 2.00% APYOct 9, 2026: 1.50% APYSep 18, 2026Oct 25, 2026
  • Oct 9, 20261.50%▼ from 2.00%
  • Sep 18, 20262.00%first recorded
Brewery Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
1351 N DR MARTIN LUTHER KING JR DR, MILWAUKEE, WI 53212 4024
6 MONTH CD
$0
1.10% ▼ 1.30% below Wisconsin avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.40%▼ 1.30% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 1.10% APY · checked 6 times
0.60%1.10%1.60%Sep 14, 2026: 1.10% APYSep 14, 2026Oct 25, 2026
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
4000 S 27th St, Milwaukee, WI 53221
6 Month Certificate Account
$0
1.00% ▼ 1.40% below Wisconsin avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.40%▼ 1.40% below avgNationally 2.78%
Details

Maturity Date (Regular, Business or IRA)

Rate History
No change since Oct 14, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 14, 2026: 1.00% APYOct 14, 2026Oct 25, 2026
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
250 E Wisconsin Ave, Milwaukee, WI 53202
6 month CD
$1,000
1.00% ▼ 1.40% below Wisconsin avg
View
▼
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
0.50%1.00%1.50%Oct 22, 2026: 1.00% APYOct 22, 2026Oct 25, 2026
Prime Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
4878 N Swan Rd, Milwaukee, WI 53225 4121
Certificate of Deposit (CD) - 6 Month
$0
1.00% ▼ 1.40% below Wisconsin avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.40%▼ 1.40% below avgNationally 2.78%
Details

Dividends compounded and paid at maturity

Rate History
No change since Oct 22, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 22, 2026: 1.00% APYOct 22, 2026Oct 25, 2026
WaterStone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
6801 W Oklahoma Ave, Milwaukee, WI 53219
Certificates of Deposit - 6 Month
$1,000
0.15% ▼ 2.25% below Wisconsin avg
View
▼
Rate0.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.40%▼ 2.25% below avgNationally 2.78%
Details

Rate History
No change since Oct 20, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 20, 2026: 0.15% APYOct 20, 2026Oct 25, 2026
WaterStone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
6801 W Oklahoma Ave, Milwaukee, WI 53219
Fixed Rate IRA Certificate of Deposit - 6 Month
$500
0.15% ▼ 2.25% below Wisconsin avg
View
▼
Rate0.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.40%▼ 2.25% below avgNationally 2.78%
Details

Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.15% APY · checked 4 times
0.00%0.33%0.65%Oct 7, 2026: 0.15% APYOct 7, 2026Oct 25, 2026
North Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
9131 W Oklahoma Ave, Milwaukee, WI 53227
6-month CD
$1,000
0.10% ▼ 2.30% below Wisconsin avg
View
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.40%▼ 2.30% below avgNationally 2.78%
Details

Interest Compounding: Simple; CD is not IRA eligible

Rate History
No change since Oct 8, 2026 · 0.10% APY · checked 4 times
0.00%0.30%0.60%Oct 8, 2026: 0.10% APYOct 8, 2026Oct 25, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
7600 W Hampton Ave, Milwaukee, WI 53218
Standard Fixed Rate CD 6 month - Relationship
$2,500
0.06% ▼ 2.34% below Wisconsin avg
View
▼
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
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Oct 25, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
7600 W Hampton Ave, Milwaukee, WI 53218
Standard Fixed Rate CD 6 month
$2,500
0.05% ▼ 2.35% below Wisconsin avg
View
▼
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
0.00%0.28%0.55%Sep 27, 2026: 0.05% APYSep 27, 2026Oct 25, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2701 S Kinnickinnic Ave, Milwaukee, WI 53207
6 Month IRA Certificate of Deposit
$0
0.05% ▼ 2.35% below Wisconsin avg
View
▼
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
0.00%0.28%0.55%Oct 14, 2026: 0.05% APYOct 14, 2026Oct 25, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2701 S Kinnickinnic Ave, Milwaukee, WI 53207
6 Month Standard CD
$1,000
0.05% ▼ 2.35% below Wisconsin avg
View
▼
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
0.00%0.28%0.55%Oct 14, 2026: 0.05% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3470 S 27th St, Milwaukee, WI 53215
Certificate of Deposit - 6 Months
$1,000
0.03% ▼ 2.37% below Wisconsin avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.40%▼ 2.37% below avgNationally 2.78%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3470 S 27th St, Milwaukee, WI 53215
IRA CD 6 Months
$250
0.03% ▼ 2.37% below Wisconsin avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.40%▼ 2.37% below avgNationally 2.78%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3470 S 27th St, Milwaukee, WI 53215
Certificate of Deposit - 6 Months
$1,000
0.02% ▼ 2.38% below Wisconsin avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.40%▼ 2.38% below avgNationally 2.78%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3470 S 27th St, Milwaukee, WI 53215
IRA CD 6 Months
$250
0.02% ▼ 2.38% below Wisconsin avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.40%▼ 2.38% below avgNationally 2.78%
Details

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3470 S 27th St, Milwaukee, WI 53215
Certificate of Deposit - 6 Months
$1,000
0.01% ▼ 2.39% below Wisconsin avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.40%▼ 2.39% below avgNationally 2.78%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3470 S 27th St, Milwaukee, WI 53215
IRA CD 6 Months
$250
0.01% ▼ 2.39% below Wisconsin avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.40%▼ 2.39% below avgNationally 2.78%
Details

Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 25, 2026
Northwoods Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Youth Share Certificate - 6 Month
$100
5.06% ▲ 2.66% above Wisconsin avg
View
▼
Rate5.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.40%▲ 2.66% above avgNationally 2.78%
Details

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

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

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

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

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

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

Substantial Penalty for Early Withdrawal

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

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

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

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

Rate History
1 change since Sep 14, 2026 · 3.86% → 4.25% ▲ 0.39 pts · high 4.25% / low 3.86%
3.36%4.06%4.75%Sep 14, 2026: 3.86% APYOct 21, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 21, 20264.25%▲ from 3.86%
  • Sep 14, 20263.86%first recorded

Milwaukee 12 Month CD Rates

Wisconsin 12 Month CD Average2.81% APYNational 2.99%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
12-Month Traditional/Roth IRA CD
$100,000
4.59% ▲ 1.78% above Wisconsin avg
View
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.81%▲ 1.78% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.33% → 4.59% ▲ 0.26 pts · high 4.59% / low 4.33%
3.83%4.46%5.09%Sep 14, 2026: 4.33% APYSep 29, 2026: 4.59% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20264.59%▲ from 4.33%
  • Sep 14, 20264.33%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
Certificates of Deposit (CD) - 12-Month
$100,000
4.59% ▲ 1.78% above Wisconsin avg
View
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.81%▲ 1.78% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 4.59% APY · checked 2 times
4.09%4.59%5.09%Oct 13, 2026: 4.59% APYOct 13, 2026Oct 25, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
743 N Water St, Milwaukee, WI 53202
12-month CD
$1,000
4.50% ▲ 1.69% above Wisconsin avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.81%▲ 1.69% above avgNationally 2.99%
Details

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

Rate History
2 changes since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
3.65%4.33%5.00%Sep 14, 2026: 4.15% APYSep 24, 2026: 4.35% APYOct 20, 2026: 4.50% APYSep 14, 2026Oct 25, 2026
  • Oct 20, 20264.50%▲ from 4.35%
  • Sep 24, 20264.35%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
12-Month Traditional/Roth IRA CD
$500
4.44% ▲ 1.63% above Wisconsin avg
View
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.81%▲ 1.63% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.18% → 4.44% ▲ 0.26 pts · high 4.44% / low 4.18%
3.68%4.31%4.94%Sep 14, 2026: 4.18% APYSep 29, 2026: 4.44% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20264.44%▲ from 4.18%
  • Sep 14, 20264.18%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
Certificates of Deposit (CD) - 12-Month
$500
4.44% ▲ 1.63% above Wisconsin avg
View
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.81%▲ 1.63% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 4.44% APY · checked 2 times
3.94%4.44%4.94%Oct 13, 2026: 4.44% APYOct 13, 2026Oct 25, 2026
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
4000 S 27th St, Milwaukee, WI 53221
12 Month Certificate Account
$0
4.40% ▲ 1.59% above Wisconsin avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.81%▲ 1.59% above avgNationally 2.99%
Details

Maturity Date (Regular, Business or IRA)

Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 14, 2026: 4.40% APYOct 14, 2026Oct 25, 2026
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
720 E Wisconsin Ave, Milwaukee, WI 53202
1 Year Certificate of Deposit
$0
4.24% ▲ 1.43% above Wisconsin avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.81%▲ 1.43% above avgNationally 2.99%
Details

Rate History
No change since Oct 19, 2026 · 4.24% APY · checked 2 times
3.74%4.24%4.74%Oct 19, 2026: 4.24% APYOct 19, 2026Oct 25, 2026
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
720 E Wisconsin Ave, Milwaukee, WI 53202
1 Year IRA Certificate
$0
4.24% ▲ 1.43% above Wisconsin avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.81%▲ 1.43% above avgNationally 2.99%
Details

Rate History
No change since Oct 19, 2026 · 4.24% APY · checked 2 times
3.74%4.24%4.74%Oct 19, 2026: 4.24% APYOct 19, 2026Oct 25, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
333 N 35th St, Milwaukee, WI 53208
Jumbo Individual Retirement Account Certificates - 12-month
$0
4.15% ▲ 1.34% above Wisconsin avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▲ 1.34% above avgNationally 2.99%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.16% → 4.15% ▲ 0.99 pts · high 4.15% / low 3.16%
2.17%3.66%5.14%Sep 14, 2026: 3.16% APYOct 5, 2026: 4.15% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20264.15%▲ from 3.16%
  • Sep 14, 20263.16%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
333 N 35th St, Milwaukee, WI 53208
Individual Retirement Account Certificates - 12-month IRA
$0
4.10% ▲ 1.29% above Wisconsin avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▲ 1.29% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 13, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 13, 2026: 4.10% APYOct 13, 2026Oct 25, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
333 N 35th St, Milwaukee, WI 53208
12 Month Jumbo Certificates
$0
4.05% ▲ 1.24% above Wisconsin avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▲ 1.24% above avgNationally 2.99%
Details

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

Rate History
1 change since Sep 22, 2026 · 3.05% → 4.05% ▲ 1.00 pts · high 4.05% / low 3.05%
2.05%3.55%5.05%Sep 22, 2026: 3.05% APYOct 13, 2026: 4.05% APYSep 22, 2026Oct 25, 2026
  • Oct 13, 20264.05%▲ from 3.05%
  • Sep 22, 20263.05%first recorded
WaterStone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
6801 W Oklahoma Ave, Milwaukee, WI 53219
Fixed Rate IRA Promotional Certificates of Deposit - 12 Month
$2,500
4.00% ▲ 1.19% above Wisconsin avg
View
▼
Rate3.93%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.81%▲ 1.19% above avgNationally 2.99%
Details

IRA; Early withdrawal penalties may apply

Rate History
No change since Sep 19, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 19, 2026: 4.00% APYSep 19, 2026Oct 25, 2026
WaterStone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
6801 W Oklahoma Ave, Milwaukee, WI 53219
Promotional Certificates of Deposit - 12 Month
$5,000
4.00% ▲ 1.19% above Wisconsin avg
View
▼
Rate3.93%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.81%▲ 1.19% above avgNationally 2.99%
Details

Interest rate and APY effective as of 10/05/26

Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 25, 2026
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
611 E Wisconsin Ave, Milwaukee, WI 53202
12-Month CD
$0
4.00% ▲ 1.19% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.81%▲ 1.19% above avgNationally 2.99%
Details

Open Account Online

Rate History
1 change since Sep 20, 2026 · 3.95% → 4.00% ▲ 0.05 pts · high 4.00% / low 3.95%
3.45%3.98%4.50%Sep 20, 2026: 3.95% APYOct 22, 2026: 4.00% APYSep 20, 2026Oct 25, 2026
  • Oct 22, 20264.00%▲ from 3.95%
  • Sep 20, 20263.95%first recorded
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
611 E Wisconsin Ave, Milwaukee, WI 53202
12-Month IRA
$0
4.00% ▲ 1.19% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.81%▲ 1.19% above avgNationally 2.99%
Details

Open Account Online

Rate History
1 change since Sep 28, 2026 · 3.95% → 4.00% ▲ 0.05 pts · high 4.00% / low 3.95%
3.45%3.98%4.50%Sep 28, 2026: 3.95% APYOct 22, 2026: 4.00% APYSep 28, 2026Oct 25, 2026
  • Oct 22, 20264.00%▲ from 3.95%
  • Sep 28, 20263.95%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
333 N 35th St, Milwaukee, WI 53208
12 Month Certificates
$0
4.00% ▲ 1.19% above Wisconsin avg
View
▼
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%
2.00%3.50%5.00%Sep 18, 2026: 3.00% APYOct 13, 2026: 4.00% APYSep 18, 2026Oct 25, 2026
  • Oct 13, 20264.00%▲ from 3.00%
  • Sep 18, 20263.00%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4661 S 27th St, Milwaukee, WI 53221
1-Year Term CD
$1,000
4.00% ▲ 1.19% above Wisconsin avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▲ 1.19% above avgNationally 2.99%
Details

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4661 S 27th St, Milwaukee, WI 53221
Term CD - 1-Year
$1,000
4.00% ▲ 1.19% above Wisconsin avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▲ 1.19% above avgNationally 2.99%
Details

Minimum of $1,000 to open your account; 1-Year Term CD renews automatically for the same term

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 25, 2026
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
5630 W Fond Du Lac Ave, Milwaukee, WI 53216
IRA Term Certificate - 12 Months
$0
3.98% ▲ 1.17% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.81%▲ 1.17% above avgNationally 2.99%
Details

Effective Date: October 1, 2026

Rate History
No change since Oct 22, 2026 · 3.98% APY
3.48%3.98%4.48%Oct 22, 2026: 3.98% APYOct 22, 2026Oct 25, 2026
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
5630 W Fond Du Lac Ave, Milwaukee, WI 53216
Term Certificate - 12 Months
$0
3.98% ▲ 1.17% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.81%▲ 1.17% above avgNationally 2.99%
Details

Fixed rate; Effective Date: October 1, 2026

Rate History
1 change since Sep 14, 2026 · 3.72% → 3.98% ▲ 0.26 pts · high 3.98% / low 3.72%
3.22%3.85%4.48%Sep 14, 2026: 3.72% APYOct 22, 2026: 3.98% APYSep 14, 2026Oct 25, 2026
  • Oct 22, 20263.98%▲ from 3.72%
  • Sep 14, 20263.72%first recorded
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
611 E Wisconsin Ave, Milwaukee, WI 53202
12-Month CD
$1,000
3.95% ▲ 1.14% above Wisconsin avg
View
▼
Rate3.89%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.81%▲ 1.14% above avgNationally 2.99%
Details

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

Rate History
No change since Sep 20, 2026 · 3.95% APY · checked 7 times
3.45%3.95%4.45%Sep 20, 2026: 3.95% APYSep 20, 2026Oct 25, 2026
Wisconsin Latvian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1219 N Cass St, Milwaukee, WI 53202
1 Year Share Certificate
$5,000
3.85% ▲ 1.04% above Wisconsin avg
View
▼
Rate3.80%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▲ 1.04% above avgNationally 2.99%
Details

Minimum deposit: $5,000

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Oct 25, 2026
Bank Five Nine
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
400 E Wisconsin Ave, Milwaukee, WI 53202
12 Month CD
$1,000
3.50% ▲ 0.69% above Wisconsin avg
View
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.81%▲ 0.69% above avgNationally 2.99%
Details

Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 25, 2026
Bank Five Nine
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
400 E Wisconsin Ave, Milwaukee, WI 53202
12 Month IRA
$100
3.50% ▲ 0.69% above Wisconsin avg
View
▼
Rate3.46%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.81%▲ 0.69% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
12 Month IRA Certificates
$0
3.35% ▲ 0.54% above Wisconsin avg
View
▼
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
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
12 Month Regular Certificate
$0
3.35% ▲ 0.54% above Wisconsin avg
View
▼
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
2.85%3.35%3.85%Oct 13, 2026: 3.35% APYOct 13, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
12 Month IRA Certificates
$0
3.30% ▲ 0.49% above Wisconsin avg
View
▼
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
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
12 Month Regular Certificate
$0
3.30% ▲ 0.49% above Wisconsin avg
View
▼
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
2.80%3.30%3.80%Oct 19, 2026: 3.30% APYOct 19, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
IRA Certificates - 12 Months
$0
3.30% ▲ 0.49% above Wisconsin avg
View
▼
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
2.80%3.30%3.80%Oct 9, 2026: 3.30% APYOct 9, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
12 Month Certificate - Regular
$0
3.25% ▲ 0.44% above Wisconsin avg
View
▼
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
2.75%3.25%3.75%Oct 13, 2026: 3.25% APYOct 13, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
12 Month IRA Certificate
$0
3.25% ▲ 0.44% above Wisconsin avg
View
▼
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
2.75%3.25%3.75%Oct 9, 2026: 3.25% APYOct 9, 2026Oct 25, 2026
Tri City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3701 S 27th St, Milwaukee, WI 53221
12 Month Certificates of Deposit
$500
3.00% ▲ 0.19% above Wisconsin avg
View
▼
Rate2.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.81%▲ 0.19% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 25, 2026
Tri City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3701 S 27th St, Milwaukee, WI 53221
Certificates of Deposit - 12 Months
$500
3.00% ▲ 0.19% above Wisconsin avg
View
▼
Rate2.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.81%▲ 0.19% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 25, 2026
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
535 E Wells St, Milwaukee, WI 53202
Certificate of Deposit Accounts (CD) - 1 year
$2,000
2.75% ▼ 0.06% below Wisconsin avg
View
▼
Rate2.75%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.81%▼ 0.06% below avgNationally 2.99%
Details

Balance: $2,000.00 and over; Interest payment: Annual; Compounding: Simple

Rate History
No change since Oct 20, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 20, 2026: 2.75% APYOct 20, 2026Oct 25, 2026
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
535 E Wells St, Milwaukee, WI 53202
Individual Retirement Accounts (IRA) - 1 year
$300
2.75% ▼ 0.06% below Wisconsin avg
View
▼
Rate2.75%
Min Deposit$300
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.81%▼ 0.06% below avgNationally 2.99%
Details

Balance: $300.00 and over; Interest Payment: Annual; Compounding: Simple

Rate History
1 change since Sep 14, 2026 · 2.80% → 2.75% ▼ 0.05 pts · high 2.80% / low 2.75%
2.25%2.78%3.30%Sep 14, 2026: 2.80% APYOct 7, 2026: 2.75% APYSep 14, 2026Oct 25, 2026
  • Oct 7, 20262.75%▼ from 2.80%
  • Sep 14, 20262.80%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
600 N VEL R PHILLIPS AVE, MILWAUKEE, WI 53203 2807
Certificate - 12 Months
$0
2.53% ▼ 0.28% below Wisconsin avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▼ 0.28% below avgNationally 2.99%
Details

Effective 08/03/2026

Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 8 times
2.03%2.53%3.03%Sep 14, 2026: 2.53% APYSep 14, 2026Oct 25, 2026
Peoples State Bank (WI)
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
790 North Jefferson Street, Milwaukee, WI 53202
12 Month CD
$2,500
2.50% ▼ 0.31% below Wisconsin avg
View
▼
Rate2.47%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.81%▼ 0.31% below avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 11 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 25, 2026
Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
7025 W Appleton Ave, Milwaukee, WI 53216 2733
Share Certificate - 1 Year
$500
2.25% ▼ 0.56% below Wisconsin avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▼ 0.56% below avgNationally 2.99%
Details

Regular & IRA Accounts; Rates for new share certificates only; Fees could reduce earnings on the account

Rate History
No change since Oct 9, 2026 · 2.25% APY · checked 3 times
1.75%2.25%2.75%Oct 9, 2026: 2.25% APYOct 9, 2026Oct 25, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4661 S 27th St, Milwaukee, WI 53221
12 Month Certificate of Deposit
$500
2.00% ▼ 0.81% below Wisconsin avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.81%▼ 0.81% below avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 18, 2026: 2.00% APYSep 18, 2026Oct 25, 2026
Prime Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
4878 N Swan Rd, Milwaukee, WI 53225 4121
Certificate of Deposit (CD) - 12 Month
$0
2.00% ▼ 0.81% below Wisconsin avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.81%▼ 0.81% below avgNationally 2.99%
Details

Dividends compounded and paid at maturity

Rate History
No change since Oct 22, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 22, 2026: 2.00% APYOct 22, 2026Oct 25, 2026
Brewery Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
1351 N DR MARTIN LUTHER KING JR DR, MILWAUKEE, WI 53212 4024
12 MONTH CD
$0
1.85% ▼ 0.96% below Wisconsin avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▼ 0.96% below avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 1.85% APY · checked 6 times
1.35%1.85%2.35%Sep 14, 2026: 1.85% APYSep 14, 2026Oct 25, 2026
Brewery Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
1351 N DR MARTIN LUTHER KING JR DR, MILWAUKEE, WI 53212 4024
12 MONTH ROTH IRA CERTIFICATE
$0
1.85% ▼ 0.96% below Wisconsin avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▼ 0.96% below avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 1.85% APY · checked 6 times
1.35%1.85%2.35%Sep 14, 2026: 1.85% APYSep 14, 2026Oct 25, 2026
Brewery Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
1351 N DR MARTIN LUTHER KING JR DR, MILWAUKEE, WI 53212 4024
12 MONTH TRAD IRA
$0
1.85% ▼ 0.96% below Wisconsin avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.81%▼ 0.96% below avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 1.85% APY · checked 3 times
1.35%1.85%2.35%Sep 14, 2026: 1.85% APYSep 14, 2026Oct 25, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
7600 W Hampton Ave, Milwaukee, WI 53218
Standard Fixed Rate CD 1 year - Relationship
$2,500
1.51% ▼ 1.30% below Wisconsin avg
View
▼
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
1.01%1.51%2.01%Sep 27, 2026: 1.51% APYSep 27, 2026Oct 25, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
7600 W Hampton Ave, Milwaukee, WI 53218
Standard Fixed Rate CD 1 year
$2,500
1.50% ▼ 1.31% below Wisconsin avg
View
▼
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
1.00%1.50%2.00%Sep 27, 2026: 1.50% APYSep 27, 2026Oct 25, 2026
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
250 E Wisconsin Ave, Milwaukee, WI 53202
12 month add on CD
$100
1.00% ▼ 1.81% below Wisconsin avg
View
▼
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
0.50%1.00%1.50%Oct 22, 2026: 1.00% APYOct 22, 2026Oct 25, 2026
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
250 E Wisconsin Ave, Milwaukee, WI 53202
12 month CD
$1,000
1.00% ▼ 1.81% below Wisconsin avg
View
▼
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
0.50%1.00%1.50%Oct 22, 2026: 1.00% APYOct 22, 2026Oct 25, 2026
WaterStone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
6801 W Oklahoma Ave, Milwaukee, WI 53219
1 Year Purpose CD
$100
1.00% ▼ 1.81% below Wisconsin avg
View
▼
Rate1.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.81%▼ 1.81% below avgNationally 2.99%
Details

Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 9 times
0.50%1.00%1.50%Sep 19, 2026: 1.00% APYSep 19, 2026Oct 25, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2701 S Kinnickinnic Ave, Milwaukee, WI 53207
12 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.06% below Wisconsin avg
View
▼
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
0.25%0.75%1.25%Oct 14, 2026: 0.75% APYOct 14, 2026Oct 25, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2701 S Kinnickinnic Ave, Milwaukee, WI 53207
12 Month Standard CD
$1,000
0.75% ▼ 2.06% below Wisconsin avg
View
▼
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
0.25%0.75%1.25%Oct 14, 2026: 0.75% APYOct 14, 2026Oct 25, 2026

Milwaukee 18 Month CD Rates

Wisconsin 18 Month CD Average2.78% APYNational 2.88%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
18-Month Traditional/Roth IRA CD
$500
4.49% ▲ 1.71% above Wisconsin avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.78%▲ 1.71% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.02% → 4.49% ▲ 0.47 pts · high 4.49% / low 4.02%
3.52%4.26%4.99%Sep 14, 2026: 4.02% APYSep 29, 2026: 4.49% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20264.49%▲ from 4.02%
  • Sep 14, 20264.02%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
Certificates of Deposit (CD) - 18-Month
$500
4.49% ▲ 1.71% above Wisconsin avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.78%▲ 1.71% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 4.49% APY · checked 2 times
3.99%4.49%4.99%Oct 13, 2026: 4.49% APYOct 13, 2026Oct 25, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
743 N Water St, Milwaukee, WI 53202
18-month CD
$1,000
4.45% ▲ 1.67% above Wisconsin avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.78%▲ 1.67% above avgNationally 2.88%
Details

Online Only; 30-day penalty if withdrawn before maturity

Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.45% ▲ 0.45 pts · high 4.45% / low 4.00%
3.50%4.23%4.95%Sep 14, 2026: 4.00% APYSep 24, 2026: 4.15% APYOct 20, 2026: 4.45% APYSep 14, 2026Oct 25, 2026
  • Oct 20, 20264.45%▲ from 4.15%
  • Sep 24, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
4000 S 27th St, Milwaukee, WI 53221
18 Month Certificate Account
$0
4.40% ▲ 1.62% above Wisconsin avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.78%▲ 1.62% above avgNationally 2.88%
Details

Maturity Date (Regular, Business or IRA)

Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 14, 2026: 4.40% APYOct 14, 2026Oct 25, 2026
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
720 E Wisconsin Ave, Milwaukee, WI 53202
18 Month Certificate of Deposit
$0
4.34% ▲ 1.56% above Wisconsin avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▲ 1.56% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 4.34% APY · checked 3 times
3.84%4.34%4.84%Oct 13, 2026: 4.34% APYOct 13, 2026Oct 25, 2026
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
720 E Wisconsin Ave, Milwaukee, WI 53202
18 Month IRA Certificate
$0
4.34% ▲ 1.56% above Wisconsin avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▲ 1.56% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 4.34% APY · checked 3 times
3.84%4.34%4.84%Oct 13, 2026: 4.34% APYOct 13, 2026Oct 25, 2026
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
5630 W Fond Du Lac Ave, Milwaukee, WI 53216
IRA Term Certificate - 18 Months
$0
3.98% ▲ 1.20% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▲ 1.20% above avgNationally 2.88%
Details

Effective Date: October 1, 2026

Rate History
No change since Oct 22, 2026 · 3.98% APY
3.48%3.98%4.48%Oct 22, 2026: 3.98% APYOct 22, 2026Oct 25, 2026
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
5630 W Fond Du Lac Ave, Milwaukee, WI 53216
Term Certificate - 18 Months
$0
3.98% ▲ 1.20% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▲ 1.20% above avgNationally 2.88%
Details

Fixed rate; Effective Date: October 1, 2026

Rate History
1 change since Sep 14, 2026 · 3.77% → 3.98% ▲ 0.21 pts · high 3.98% / low 3.77%
3.27%3.88%4.48%Sep 14, 2026: 3.77% APYOct 22, 2026: 3.98% APYSep 14, 2026Oct 25, 2026
  • Oct 22, 20263.98%▲ from 3.77%
  • Sep 14, 20263.77%first recorded
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
535 E Wells St, Milwaukee, WI 53202
CD Specials - 18 months
$5,000
3.85% ▲ 1.07% above Wisconsin avg
View
▼
Rate3.84%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▲ 1.07% above avgNationally 2.88%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55%
3.05%3.70%4.35%Sep 14, 2026: 3.55% APYOct 2, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
  • Oct 2, 20263.85%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
535 E Wells St, Milwaukee, WI 53202
IRA CD Specials - 18 month
$300
3.85% ▲ 1.07% above Wisconsin avg
View
▼
Rate3.84%
Min Deposit$300
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▲ 1.07% above avgNationally 2.88%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55%
3.05%3.70%4.35%Sep 14, 2026: 3.55% APYOct 14, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
  • Oct 14, 20263.85%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
333 N 35th St, Milwaukee, WI 53208
Jumbo Individual Retirement Account Certificates - 18-month
$0
3.40% ▲ 0.62% above Wisconsin avg
View
▼
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%
2.66%3.28%3.90%Sep 14, 2026: 3.16% APYOct 5, 2026: 3.40% APYSep 14, 2026Oct 25, 2026
  • 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%
UWM Union First Floor West, Milwaukee, WI 53211
18 Month IRA Certificates
$0
3.35% ▲ 0.57% above Wisconsin avg
View
▼
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
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
18 Month Regular Certificate
$0
3.35% ▲ 0.57% above Wisconsin avg
View
▼
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
2.85%3.35%3.85%Oct 13, 2026: 3.35% APYOct 13, 2026Oct 25, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
333 N 35th St, Milwaukee, WI 53208
Individual Retirement Account Certificates - 18-month IRA
$0
3.35% ▲ 0.57% above Wisconsin avg
View
▼
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
2.85%3.35%3.85%Oct 13, 2026: 3.35% APYOct 13, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
18 Month IRA Certificates
$0
3.30% ▲ 0.52% above Wisconsin avg
View
▼
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
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
18 Month Regular Certificate
$0
3.30% ▲ 0.52% above Wisconsin avg
View
▼
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
2.80%3.30%3.80%Oct 19, 2026: 3.30% APYOct 19, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
IRA Certificates - 18 Months
$0
3.30% ▲ 0.52% above Wisconsin avg
View
▼
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
2.80%3.30%3.80%Oct 9, 2026: 3.30% APYOct 9, 2026Oct 25, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
333 N 35th St, Milwaukee, WI 53208
18 Month Jumbo Certificates
$0
3.30% ▲ 0.52% above Wisconsin avg
View
▼
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%
2.55%3.18%3.80%Sep 22, 2026: 3.05% APYOct 13, 2026: 3.30% APYSep 22, 2026Oct 25, 2026
  • 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%
UWM Union First Floor West, Milwaukee, WI 53211
18 Month Certificate - Regular
$0
3.25% ▲ 0.47% above Wisconsin avg
View
▼
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
2.75%3.25%3.75%Oct 13, 2026: 3.25% APYOct 13, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
18 Month IRA Certificate
$0
3.25% ▲ 0.47% above Wisconsin avg
View
▼
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
2.75%3.25%3.75%Oct 9, 2026: 3.25% APYOct 9, 2026Oct 25, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
333 N 35th St, Milwaukee, WI 53208
18 Month Certificates
$0
3.25% ▲ 0.47% above Wisconsin avg
View
▼
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%
2.50%3.13%3.75%Sep 18, 2026: 3.00% APYOct 13, 2026: 3.25% APYSep 18, 2026Oct 25, 2026
  • Oct 13, 20263.25%▲ from 3.00%
  • Sep 18, 20263.00%first recorded
Tri City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3701 S 27th St, Milwaukee, WI 53221
18 Month Certificates of Deposit
$500
3.00% ▲ 0.22% above Wisconsin avg
View
▼
Rate2.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.78%▲ 0.22% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 25, 2026
Tri City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3701 S 27th St, Milwaukee, WI 53221
Certificates of Deposit - 18 Months
$500
3.00% ▲ 0.22% above Wisconsin avg
View
▼
Rate2.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.78%▲ 0.22% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4661 S 27th St, Milwaukee, WI 53221
18-Month Term CD
$1,000
2.75% ▼ 0.03% below Wisconsin avg
View
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▼ 0.03% below avgNationally 2.88%
Details

Rate History
No change since Oct 19, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 19, 2026: 2.75% APYOct 19, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4661 S 27th St, Milwaukee, WI 53221
Term CD - 18-Month
$1,000
2.75% ▼ 0.03% below Wisconsin avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▼ 0.03% below avgNationally 2.88%
Details

Minimum of $1,000 to open your account; 18-Month CD renews as a 2-Year Term CD at the then-published APY

Rate History
No change since Oct 19, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 19, 2026: 2.75% APYOct 19, 2026Oct 25, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
600 N VEL R PHILLIPS AVE, MILWAUKEE, WI 53203 2807
Certificate - 18 Months
$0
2.63% ▼ 0.15% below Wisconsin avg
View
▼
Rate2.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▼ 0.15% below avgNationally 2.88%
Details

Effective 08/03/2026

Rate History
No change since Sep 14, 2026 · 2.63% APY · checked 8 times
2.13%2.63%3.13%Sep 14, 2026: 2.63% APYSep 14, 2026Oct 25, 2026
Peoples State Bank (WI)
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
790 North Jefferson Street, Milwaukee, WI 53202
18 Month CD
$2,500
2.50% ▼ 0.28% below Wisconsin avg
View
▼
Rate2.47%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▼ 0.28% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 11 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 25, 2026
Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
7025 W Appleton Ave, Milwaukee, WI 53216 2733
Share Certificate - 18 Months
$500
2.35% ▼ 0.43% below Wisconsin avg
View
▼
Rate2.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▼ 0.43% below avgNationally 2.88%
Details

Regular & IRA Accounts; Rates for new share certificates only; Fees could reduce earnings on the account

Rate History
No change since Oct 9, 2026 · 2.35% APY · checked 3 times
1.85%2.35%2.85%Oct 9, 2026: 2.35% APYOct 9, 2026Oct 25, 2026
Brewery Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
1351 N DR MARTIN LUTHER KING JR DR, MILWAUKEE, WI 53212 4024
18 MONTH CD
$0
2.10% ▼ 0.68% below Wisconsin avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▼ 0.68% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 6 times
1.60%2.10%2.60%Sep 14, 2026: 2.10% APYSep 14, 2026Oct 25, 2026
Prime Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
4878 N Swan Rd, Milwaukee, WI 53225 4121
Certificate of Deposit (CD) - 18 Month
$0
2.02% ▼ 0.76% below Wisconsin avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▼ 0.76% below avgNationally 2.88%
Details

Dividends compounded and paid quarterly

Rate History
No change since Oct 22, 2026 · 2.02% APY
1.52%2.02%2.52%Oct 22, 2026: 2.02% APYOct 22, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
18 Month Smart Saver Certificate
$0
1.60% ▼ 1.18% below Wisconsin avg
View
▼
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
1.10%1.60%2.10%Oct 19, 2026: 1.60% APYOct 19, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
18 Month Certificate - Smart Saver
$0
1.55% ▼ 1.23% below Wisconsin avg
View
▼
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
1.05%1.55%2.05%Oct 13, 2026: 1.55% APYOct 13, 2026Oct 25, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2701 S Kinnickinnic Ave, Milwaukee, WI 53207
18 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.03% below Wisconsin avg
View
▼
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
0.25%0.75%1.25%Oct 14, 2026: 0.75% APYOct 14, 2026Oct 25, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2701 S Kinnickinnic Ave, Milwaukee, WI 53207
18 Month Standard CD
$1,000
0.75% ▼ 2.03% below Wisconsin avg
View
▼
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
0.25%0.75%1.25%Oct 14, 2026: 0.75% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3470 S 27th St, Milwaukee, WI 53215
Certificate of Deposit - 18 Months
$1,000
0.03% ▼ 2.75% below Wisconsin avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.78%▼ 2.75% below avgNationally 2.88%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3470 S 27th St, Milwaukee, WI 53215
IRA CD 18 Months
$250
0.03% ▼ 2.75% below Wisconsin avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.78%▼ 2.75% below avgNationally 2.88%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 25, 2026
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
250 E Wisconsin Ave, Milwaukee, WI 53202
18 month CD
$1,000
0.03% ▼ 2.75% below Wisconsin avg
View
▼
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
0.00%0.27%0.53%Oct 22, 2026: 0.03% APYOct 22, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3470 S 27th St, Milwaukee, WI 53215
Certificate of Deposit - 18 Months
$1,000
0.02% ▼ 2.76% below Wisconsin avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.78%▼ 2.76% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3470 S 27th St, Milwaukee, WI 53215
IRA CD 18 Months
$250
0.02% ▼ 2.76% below Wisconsin avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.78%▼ 2.76% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 25, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4661 S 27th St, Milwaukee, WI 53221
18 Month Certificate of Deposit
$500
0.02% ▼ 2.76% below Wisconsin avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▼ 2.76% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 7 times
0.00%0.26%0.52%Sep 18, 2026: 0.02% APYSep 18, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3470 S 27th St, Milwaukee, WI 53215
Certificate of Deposit - 18 Months
$1,000
0.01% ▼ 2.77% below Wisconsin avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.78%▼ 2.77% below avgNationally 2.88%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3470 S 27th St, Milwaukee, WI 53215
IRA CD 18 Months
$250
0.01% ▼ 2.77% below Wisconsin avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.78%▼ 2.77% below avgNationally 2.88%
Details

Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 25, 2026
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 mo Variable Rate IRA 18 mo Certificate of Deposit
$500
4.84% ▲ 2.06% above Wisconsin avg
View
▼
Rate4.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.78%▲ 2.06% above avgNationally 2.88%
Details

Interest credited: Quarterly; Variable

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

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

Rate History
No change since Oct 19, 2026 · 4.70% APY · checked 2 times
4.20%4.70%5.20%Oct 19, 2026: 4.70% APYOct 19, 2026Oct 25, 2026
WESTconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
18 Month Variable Rate IRA - Basic MVP
$50
4.49% ▲ 1.71% above Wisconsin avg
View
▼
Rate4.39%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 1.71% above avgNationally 2.88%
Details

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

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

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

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

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

Rate History
No change since Oct 19, 2026 · 4.49% APY
3.99%4.49%4.99%Oct 19, 2026: 4.49% APYOct 19, 2026Oct 25, 2026
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
Certificate of Deposit (CD) - 18 Months
$0
4.41% ▲ 1.63% above Wisconsin avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.78%▲ 1.63% above avgNationally 2.88%
Details

Rate History
6 changes since Sep 14, 2026 · 4.41% → 4.41% ▼ 0.00 pts · high 4.41% / low 4.35%
3.85%4.38%4.91%Sep 14, 2026: 4.41% APYSep 18, 2026: 4.35% APYSep 21, 2026: 4.41% APYSep 25, 2026: 4.35% APYSep 29, 2026: 4.41% APYOct 5, 2026: 4.35% APYOct 13, 2026: 4.41% APYSep 14, 2026Oct 25, 2026
  • Oct 13, 20264.41%▲ from 4.35%
  • Oct 5, 20264.35%▼ from 4.41%
  • Sep 29, 20264.41%▲ from 4.35%
  • Sep 25, 20264.35%▼ from 4.41%
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 18 Month Certificate
$500
4.40% ▲ 1.62% above Wisconsin avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 1.62% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 19, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 19, 2026: 4.40% APYOct 19, 2026Oct 25, 2026

Milwaukee 24 Month CD Rates

Wisconsin 24 Month CD Average2.89% APYNational 2.90%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
720 E Wisconsin Ave, Milwaukee, WI 53202
2 Year Certificate of Deposit
$0
4.45% ▲ 1.56% above Wisconsin avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.89%▲ 1.56% above avgNationally 2.90%
Details

Rate History
No change since Oct 13, 2026 · 4.45% APY · checked 3 times
3.95%4.45%4.95%Oct 13, 2026: 4.45% APYOct 13, 2026Oct 25, 2026
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
720 E Wisconsin Ave, Milwaukee, WI 53202
2 Year IRA Certificate
$0
4.45% ▲ 1.56% above Wisconsin avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.89%▲ 1.56% above avgNationally 2.90%
Details

Rate History
No change since Oct 13, 2026 · 4.45% APY · checked 3 times
3.95%4.45%4.95%Oct 13, 2026: 4.45% APYOct 13, 2026Oct 25, 2026
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
4000 S 27th St, Milwaukee, WI 53221
2 Year Certificate Account
$0
4.40% ▲ 1.51% above Wisconsin avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.89%▲ 1.51% above avgNationally 2.90%
Details

Maturity Date (Regular, Business or IRA)

Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 14, 2026: 4.40% APYOct 14, 2026Oct 25, 2026
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
611 E Wisconsin Ave, Milwaukee, WI 53202
2-Year CD
$1,000
4.40% ▲ 1.51% above Wisconsin avg
View
▼
Rate4.33%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.89%▲ 1.51% above avgNationally 2.90%
Details

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

Rate History
No change since Sep 20, 2026 · 4.40% APY · checked 7 times
3.90%4.40%4.90%Sep 20, 2026: 4.40% APYSep 20, 2026Oct 25, 2026
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
611 E Wisconsin Ave, Milwaukee, WI 53202
2-Year Choice Plus CD
$0
4.40% ▲ 1.51% above Wisconsin avg
View
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.89%▲ 1.51% above avgNationally 2.90%
Details

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

Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 14, 2026: 4.40% APYOct 14, 2026Oct 25, 2026
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
611 E Wisconsin Ave, Milwaukee, WI 53202
2-Year Choice Plus IRA
$0
4.40% ▲ 1.51% above Wisconsin avg
View
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.89%▲ 1.51% above avgNationally 2.90%
Details

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

Rate History
No change since Oct 22, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 22, 2026: 4.40% APYOct 22, 2026Oct 25, 2026
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
611 E Wisconsin Ave, Milwaukee, WI 53202
2-Year IRA
$0
4.40% ▲ 1.51% above Wisconsin avg
View
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.89%▲ 1.51% above avgNationally 2.90%
Details

Open Account Online

Rate History
No change since Sep 28, 2026 · 4.40% APY · checked 3 times
3.90%4.40%4.90%Sep 28, 2026: 4.40% APYSep 28, 2026Oct 25, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
743 N Water St, Milwaukee, WI 53202
24-month CD
$1,000
4.35% ▲ 1.46% above Wisconsin avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.89%▲ 1.46% above avgNationally 2.90%
Details

Online Only; 30-day penalty if withdrawn before maturity

Rate History
2 changes since Sep 14, 2026 · 3.00% → 4.35% ▲ 1.35 pts · high 4.35% / low 3.00%
1.65%3.68%5.70%Sep 14, 2026: 3.00% APYSep 24, 2026: 4.00% APYOct 20, 2026: 4.35% APYSep 14, 2026Oct 25, 2026
  • Oct 20, 20264.35%▲ from 4.00%
  • Sep 24, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
24-Month Traditional/Roth IRA CD
$50,000
4.28% ▲ 1.39% above Wisconsin avg
View
▼
Rate4.20%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.89%▲ 1.39% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.28% ▲ 0.31 pts · high 4.28% / low 3.97%
3.47%4.13%4.78%Sep 14, 2026: 3.97% APYSep 29, 2026: 4.28% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20264.28%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
Certificates of Deposit (CD) - 24-Month
$50,000
4.28% ▲ 1.39% above Wisconsin avg
View
▼
Rate4.20%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.89%▲ 1.39% above avgNationally 2.90%
Details

Rate History
No change since Oct 13, 2026 · 4.28% APY · checked 2 times
3.78%4.28%4.78%Oct 13, 2026: 4.28% APYOct 13, 2026Oct 25, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
24-Month Traditional/Roth IRA CD
$500
4.13% ▲ 1.24% above Wisconsin avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.89%▲ 1.24% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.13% ▲ 0.33 pts · high 4.13% / low 3.80%
3.30%3.97%4.63%Sep 14, 2026: 3.80% APYSep 29, 2026: 4.13% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20264.13%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
Certificates of Deposit (CD) - 24-Month
$500
4.13% ▲ 1.24% above Wisconsin avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.89%▲ 1.24% above avgNationally 2.90%
Details

Rate History
No change since Oct 13, 2026 · 4.13% APY · checked 2 times
3.63%4.13%4.63%Oct 13, 2026: 4.13% APYOct 13, 2026Oct 25, 2026
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
5630 W Fond Du Lac Ave, Milwaukee, WI 53216
IRA Term Certificate - 24 Months
$0
4.08% ▲ 1.19% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.89%▲ 1.19% above avgNationally 2.90%
Details

Effective Date: October 1, 2026

Rate History
No change since Oct 22, 2026 · 4.08% APY
3.58%4.08%4.58%Oct 22, 2026: 4.08% APYOct 22, 2026Oct 25, 2026
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
5630 W Fond Du Lac Ave, Milwaukee, WI 53216
Term Certificate - 24 Months
$0
4.08% ▲ 1.19% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.89%▲ 1.19% above avgNationally 2.90%
Details

Fixed rate; Effective Date: October 1, 2026

Rate History
1 change since Sep 14, 2026 · 3.77% → 4.08% ▲ 0.31 pts · high 4.08% / low 3.77%
3.27%3.93%4.58%Sep 14, 2026: 3.77% APYOct 22, 2026: 4.08% APYSep 14, 2026Oct 25, 2026
  • Oct 22, 20264.08%▲ from 3.77%
  • Sep 14, 20263.77%first recorded
Wisconsin Latvian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1219 N Cass St, Milwaukee, WI 53202
2 Year Share Certificate
$5,000
3.85% ▲ 0.96% above Wisconsin avg
View
▼
Rate3.80%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▲ 0.96% above avgNationally 2.90%
Details

Minimum deposit: $5,000

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Oct 25, 2026
Bank Five Nine
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
400 E Wisconsin Ave, Milwaukee, WI 53202
24 Month CD
$1,000
3.75% ▲ 0.86% above Wisconsin avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.89%▲ 0.86% above avgNationally 2.90%
Details

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 25, 2026
Bank Five Nine
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
400 E Wisconsin Ave, Milwaukee, WI 53202
24 Month IRA
$100
3.75% ▲ 0.86% above Wisconsin avg
View
▼
Rate3.70%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.89%▲ 0.86% above avgNationally 2.90%
Details

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

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 25, 2026
Bank Five Nine
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
400 E Wisconsin Ave, Milwaukee, WI 53202
24 Month Young American CD
$200
3.75% ▲ 0.86% above Wisconsin avg
View
▼
Rate3.70%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.89%▲ 0.86% above avgNationally 2.90%
Details

Offer applicable to minors and enrolled students only; unlimited deposits of $50.00 or more allowed during initial and subsequent term; maximum new money deposit of $250,000

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 25, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
333 N 35th St, Milwaukee, WI 53208
Jumbo Individual Retirement Account Certificates - 24-month
$0
3.65% ▲ 0.76% above Wisconsin avg
View
▼
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%
2.66%3.41%4.15%Sep 14, 2026: 3.16% APYOct 5, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
  • 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%
UWM Union First Floor West, Milwaukee, WI 53211
24 Month Rate Bump Certificate
$0
3.60% ▲ 0.71% above Wisconsin avg
View
▼
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
3.10%3.60%4.10%Oct 19, 2026: 3.60% APYOct 19, 2026Oct 25, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
333 N 35th St, Milwaukee, WI 53208
Individual Retirement Account Certificates - 24-month IRA
$0
3.60% ▲ 0.71% above Wisconsin avg
View
▼
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
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 25, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
333 N 35th St, Milwaukee, WI 53208
24 Month Jumbo Certificates
$0
3.55% ▲ 0.66% above Wisconsin avg
View
▼
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%
2.55%3.30%4.05%Sep 22, 2026: 3.05% APYOct 13, 2026: 3.55% APYSep 22, 2026Oct 25, 2026
  • Oct 13, 20263.55%▲ from 3.05%
  • Sep 22, 20263.05%first recorded
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
24 Month Certificate - Rate Bump
$0
3.50% ▲ 0.61% above Wisconsin avg
View
▼
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
3.00%3.50%4.00%Oct 19, 2026: 3.50% APYOct 19, 2026Oct 25, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
333 N 35th St, Milwaukee, WI 53208
24 Month Certificates
$0
3.50% ▲ 0.61% above Wisconsin avg
View
▼
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%
2.50%3.25%4.00%Sep 18, 2026: 3.00% APYOct 13, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
  • 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%
UWM Union First Floor West, Milwaukee, WI 53211
24 Month IRA Certificates
$0
3.35% ▲ 0.46% above Wisconsin avg
View
▼
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
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
24 Month Regular Certificate
$0
3.35% ▲ 0.46% above Wisconsin avg
View
▼
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
2.85%3.35%3.85%Oct 13, 2026: 3.35% APYOct 13, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
24 Month IRA Certificates
$0
3.30% ▲ 0.41% above Wisconsin avg
View
▼
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
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
24 Month Regular Certificate
$0
3.30% ▲ 0.41% above Wisconsin avg
View
▼
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
2.80%3.30%3.80%Oct 19, 2026: 3.30% APYOct 19, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
IRA Certificates - 24 Months
$0
3.30% ▲ 0.41% above Wisconsin avg
View
▼
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
2.80%3.30%3.80%Oct 9, 2026: 3.30% APYOct 9, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
24 Month Certificate - Regular
$0
3.25% ▲ 0.36% above Wisconsin avg
View
▼
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
2.75%3.25%3.75%Oct 13, 2026: 3.25% APYOct 13, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
24 Month IRA Certificate
$0
3.25% ▲ 0.36% above Wisconsin avg
View
▼
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
2.75%3.25%3.75%Oct 9, 2026: 3.25% APYOct 9, 2026Oct 25, 2026
Tri City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3701 S 27th St, Milwaukee, WI 53221
24 Month Certificates of Deposit
$500
3.15% ▲ 0.26% above Wisconsin avg
View
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.89%▲ 0.26% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Oct 25, 2026
Tri City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3701 S 27th St, Milwaukee, WI 53221
Certificates of Deposit - 24 Months
$500
3.15% ▲ 0.26% above Wisconsin avg
View
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.89%▲ 0.26% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 4 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Oct 25, 2026
Brewery Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
1351 N DR MARTIN LUTHER KING JR DR, MILWAUKEE, WI 53212 4024
24 MONTH CD
$0
2.90% ▲ 0.01% above Wisconsin avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▲ 0.01% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 6 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 25, 2026
Brewery Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
1351 N DR MARTIN LUTHER KING JR DR, MILWAUKEE, WI 53212 4024
24 MONTH ROTH IRA CERTIFICATE
$0
2.90% ▲ 0.01% above Wisconsin avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▲ 0.01% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 6 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 25, 2026
Brewery Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
1351 N DR MARTIN LUTHER KING JR DR, MILWAUKEE, WI 53212 4024
24 MONTH TRAD IRA
$0
2.90% ▲ 0.01% above Wisconsin avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▲ 0.01% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 3 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 25, 2026
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
535 E Wells St, Milwaukee, WI 53202
Certificate of Deposit Accounts (CD) - 2 year
$2,000
2.80% ▼ 0.09% below Wisconsin avg
View
▼
Rate2.80%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.89%▼ 0.09% below avgNationally 2.90%
Details

Balance: $2,000.00 and over; Interest payment: Annual; Compounding: Simple

Rate History
No change since Oct 20, 2026 · 2.80% APY · checked 2 times
2.30%2.80%3.30%Oct 20, 2026: 2.80% APYOct 20, 2026Oct 25, 2026
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
535 E Wells St, Milwaukee, WI 53202
Individual Retirement Accounts (IRA) - 2 year
$300
2.80% ▼ 0.09% below Wisconsin avg
View
▼
Rate2.80%
Min Deposit$300
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.89%▼ 0.09% below avgNationally 2.90%
Details

Balance: $300.00 and over; Interest Payment: Annual; Compounding: Simple

Rate History
1 change since Sep 14, 2026 · 2.75% → 2.80% ▲ 0.05 pts · high 2.80% / low 2.75%
2.25%2.78%3.30%Sep 14, 2026: 2.75% APYOct 7, 2026: 2.80% APYSep 14, 2026Oct 25, 2026
  • Oct 7, 20262.80%▲ from 2.75%
  • Sep 14, 20262.75%first recorded
Peoples State Bank (WI)
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
790 North Jefferson Street, Milwaukee, WI 53202
24 Month CD
$2,500
2.75% ▼ 0.14% below Wisconsin avg
View
▼
Rate2.72%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.89%▼ 0.14% below avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 11 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 25, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
600 N VEL R PHILLIPS AVE, MILWAUKEE, WI 53203 2807
Certificate - 24 Months
$0
2.73% ▼ 0.16% below Wisconsin avg
View
▼
Rate2.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▼ 0.16% below avgNationally 2.90%
Details

Effective 08/03/2026

Rate History
No change since Sep 14, 2026 · 2.73% APY · checked 8 times
2.23%2.73%3.23%Sep 14, 2026: 2.73% APYSep 14, 2026Oct 25, 2026
Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
7025 W Appleton Ave, Milwaukee, WI 53216 2733
Share Certificate - 2 Years
$500
2.60% ▼ 0.29% below Wisconsin avg
View
▼
Rate2.58%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▼ 0.29% below avgNationally 2.90%
Details

Regular & IRA Accounts; Rates for new share certificates only; Fees could reduce earnings on the account

Rate History
No change since Oct 9, 2026 · 2.60% APY · checked 3 times
2.10%2.60%3.10%Oct 9, 2026: 2.60% APYOct 9, 2026Oct 25, 2026
Prime Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
4878 N Swan Rd, Milwaukee, WI 53225 4121
Certificate of Deposit (CD) - 24 Month
$0
2.53% ▼ 0.36% below Wisconsin avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.89%▼ 0.36% below avgNationally 2.90%
Details

Dividends compounded and paid quarterly

Rate History
No change since Oct 22, 2026 · 2.53% APY
2.03%2.53%3.03%Oct 22, 2026: 2.53% APYOct 22, 2026Oct 25, 2026
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
611 E Wisconsin Ave, Milwaukee, WI 53202
2 Year Young Savers CD
$0
2.50% ▼ 0.39% below Wisconsin avg
View
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.89%▼ 0.39% below avgNationally 2.90%
Details

Under Age 18; additions of $50 or more any time; Open Account Online

Rate History
No change since Oct 14, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 14, 2026: 2.50% APYOct 14, 2026Oct 25, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2701 S Kinnickinnic Ave, Milwaukee, WI 53207
24 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.14% below Wisconsin avg
View
▼
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
0.25%0.75%1.25%Oct 14, 2026: 0.75% APYOct 14, 2026Oct 25, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2701 S Kinnickinnic Ave, Milwaukee, WI 53207
24 Month Standard CD
$1,000
0.75% ▼ 2.14% below Wisconsin avg
View
▼
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
0.25%0.75%1.25%Oct 14, 2026: 0.75% APYOct 14, 2026Oct 25, 2026
WaterStone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
6801 W Oklahoma Ave, Milwaukee, WI 53219
Certificates of Deposit - 2 Year
$1,000
0.40% ▼ 2.49% below Wisconsin avg
View
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.89%▼ 2.49% below avgNationally 2.90%
Details

Rate History
No change since Oct 20, 2026 · 0.40% APY · checked 2 times
0.00%0.45%0.90%Oct 20, 2026: 0.40% APYOct 20, 2026Oct 25, 2026
WaterStone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
6801 W Oklahoma Ave, Milwaukee, WI 53219
Fixed Rate IRA Certificate of Deposit - 2 Year
$500
0.40% ▼ 2.49% below Wisconsin avg
View
▼
Rate0.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.89%▼ 2.49% below avgNationally 2.90%
Details

Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.40% APY · checked 4 times
0.00%0.45%0.90%Oct 7, 2026: 0.40% APYOct 7, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4661 S 27th St, Milwaukee, WI 53221
2-Year Jumbo CD
$100,000
0.40% ▼ 2.49% below Wisconsin avg
View
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▼ 2.49% below avgNationally 2.90%
Details

Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 2 times
0.00%0.45%0.90%Sep 24, 2026: 0.40% APYSep 24, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4661 S 27th St, Milwaukee, WI 53221
2-Year Term CD
$1,000
0.40% ▼ 2.49% below Wisconsin avg
View
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▼ 2.49% below avgNationally 2.90%
Details

Rate History
No change since Oct 19, 2026 · 0.40% APY
0.00%0.45%0.90%Oct 19, 2026: 0.40% APYOct 19, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4661 S 27th St, Milwaukee, WI 53221
Term CD - 2-Year
$1,000
0.40% ▼ 2.49% below Wisconsin avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.89%▼ 2.49% below avgNationally 2.90%
Details

Minimum of $1,000 to open your account

Rate History
No change since Oct 19, 2026 · 0.40% APY
0.00%0.45%0.90%Oct 19, 2026: 0.40% APYOct 19, 2026Oct 25, 2026

Milwaukee 36 Month CD Rates

Wisconsin 36 Month CD Average2.86% APYNational 2.81%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
611 E Wisconsin Ave, Milwaukee, WI 53202
3-Year CD
$1,000
4.50% ▲ 1.64% above Wisconsin avg
View
▼
Rate4.43%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.86%▲ 1.64% above avgNationally 2.81%
Details

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

Rate History
1 change since Sep 20, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 20, 2026: 4.00% APYOct 8, 2026: 4.50% APYSep 20, 2026Oct 25, 2026
  • Oct 8, 20264.50%▲ from 4.00%
  • Sep 20, 20264.00%first recorded
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
611 E Wisconsin Ave, Milwaukee, WI 53202
3-Year IRA
$0
4.50% ▲ 1.64% above Wisconsin avg
View
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.86%▲ 1.64% above avgNationally 2.81%
Details

Open Account Online

Rate History
1 change since Sep 28, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 28, 2026: 4.00% APYOct 22, 2026: 4.50% APYSep 28, 2026Oct 25, 2026
  • Oct 22, 20264.50%▲ from 4.00%
  • Sep 28, 20264.00%first recorded
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
4000 S 27th St, Milwaukee, WI 53221
3 Year Certificate Account
$0
4.40% ▲ 1.54% above Wisconsin avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.86%▲ 1.54% above avgNationally 2.81%
Details

Maturity Date (Regular, Business or IRA)

Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 14, 2026: 4.40% APYOct 14, 2026Oct 25, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
36-Month Traditional/Roth IRA CD
$50,000
4.33% ▲ 1.47% above Wisconsin avg
View
▼
Rate4.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.86%▲ 1.47% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.33% ▲ 0.58 pts · high 4.33% / low 3.75%
3.17%4.04%4.91%Sep 14, 2026: 3.75% APYSep 29, 2026: 4.33% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20264.33%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
Certificates of Deposit (CD) - 36-Month
$50,000
4.33% ▲ 1.47% above Wisconsin avg
View
▼
Rate4.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.86%▲ 1.47% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 4.33% APY · checked 2 times
3.83%4.33%4.83%Oct 13, 2026: 4.33% APYOct 13, 2026Oct 25, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
36-Month Traditional/Roth IRA CD
$500
4.18% ▲ 1.32% above Wisconsin avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.86%▲ 1.32% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.18% ▲ 0.62 pts · high 4.18% / low 3.56%
2.94%3.87%4.80%Sep 14, 2026: 3.56% APYSep 29, 2026: 4.18% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20264.18%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
Certificates of Deposit (CD) - 36-Month
$500
4.18% ▲ 1.32% above Wisconsin avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.86%▲ 1.32% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 4.18% APY · checked 2 times
3.68%4.18%4.68%Oct 13, 2026: 4.18% APYOct 13, 2026Oct 25, 2026
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
5630 W Fond Du Lac Ave, Milwaukee, WI 53216
IRA Term Certificate - 36 Months
$0
4.18% ▲ 1.32% above Wisconsin avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.86%▲ 1.32% above avgNationally 2.81%
Details

Effective Date: October 1, 2026

Rate History
No change since Oct 22, 2026 · 4.18% APY
3.68%4.18%4.68%Oct 22, 2026: 4.18% APYOct 22, 2026Oct 25, 2026
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
5630 W Fond Du Lac Ave, Milwaukee, WI 53216
Term Certificate - 36 Months
$0
4.18% ▲ 1.32% above Wisconsin avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.86%▲ 1.32% above avgNationally 2.81%
Details

Fixed rate; Effective Date: October 1, 2026

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.18% ▲ 0.36 pts · high 4.18% / low 3.82%
3.32%4.00%4.68%Sep 14, 2026: 3.82% APYOct 22, 2026: 4.18% APYSep 14, 2026Oct 25, 2026
  • Oct 22, 20264.18%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Bank Five Nine
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
400 E Wisconsin Ave, Milwaukee, WI 53202
36 Month CD
$1,000
4.00% ▲ 1.14% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.86%▲ 1.14% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Bank Five Nine
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
400 E Wisconsin Ave, Milwaukee, WI 53202
36 Month IRA
$100
4.00% ▲ 1.14% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.86%▲ 1.14% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
333 N 35th St, Milwaukee, WI 53208
Jumbo Individual Retirement Account Certificates - 36-month
$0
3.91% ▲ 1.05% above Wisconsin avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▲ 1.05% above avgNationally 2.81%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.91% ▲ 0.51 pts · high 3.91% / low 3.40%
2.89%3.66%4.42%Sep 14, 2026: 3.40% APYOct 5, 2026: 3.91% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20263.91%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Wisconsin Latvian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1219 N Cass St, Milwaukee, WI 53202
3 Year Share Certificate
$5,000
3.85% ▲ 0.99% above Wisconsin avg
View
▼
Rate3.80%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▲ 0.99% above avgNationally 2.81%
Details

Minimum deposit: $5,000

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Oct 25, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
333 N 35th St, Milwaukee, WI 53208
Individual Retirement Account Certificates - 36-month IRA
$0
3.85% ▲ 0.99% above Wisconsin avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▲ 0.99% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 13, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 13, 2026: 3.85% APYOct 13, 2026Oct 25, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
333 N 35th St, Milwaukee, WI 53208
36 Month Jumbo Certificates
$0
3.80% ▲ 0.94% above Wisconsin avg
View
▼
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%
2.80%3.55%4.30%Sep 22, 2026: 3.30% APYOct 13, 2026: 3.80% APYSep 22, 2026Oct 25, 2026
  • Oct 13, 20263.80%▲ from 3.30%
  • Sep 22, 20263.30%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
333 N 35th St, Milwaukee, WI 53208
36 Month Certificates
$0
3.75% ▲ 0.89% above Wisconsin avg
View
▼
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%
2.75%3.50%4.25%Sep 18, 2026: 3.25% APYOct 13, 2026: 3.75% APYSep 18, 2026Oct 25, 2026
  • Oct 13, 20263.75%▲ from 3.25%
  • Sep 18, 20263.25%first recorded
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
36 Month IRA Certificates
$0
3.35% ▲ 0.49% above Wisconsin avg
View
▼
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
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
36 Month Regular Certificate
$0
3.35% ▲ 0.49% above Wisconsin avg
View
▼
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
2.85%3.35%3.85%Oct 13, 2026: 3.35% APYOct 13, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
36 Month IRA Certificates
$0
3.30% ▲ 0.44% above Wisconsin avg
View
▼
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
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
36 Month Regular Certificate
$0
3.30% ▲ 0.44% above Wisconsin avg
View
▼
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
2.80%3.30%3.80%Oct 19, 2026: 3.30% APYOct 19, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
IRA Certificates - 36 Months
$0
3.30% ▲ 0.44% above Wisconsin avg
View
▼
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
2.80%3.30%3.80%Oct 9, 2026: 3.30% APYOct 9, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
36 Month Certificate - Regular
$0
3.25% ▲ 0.39% above Wisconsin avg
View
▼
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
2.75%3.25%3.75%Oct 13, 2026: 3.25% APYOct 13, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
36 Month IRA Certificate
$0
3.25% ▲ 0.39% above Wisconsin avg
View
▼
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
2.75%3.25%3.75%Oct 9, 2026: 3.25% APYOct 9, 2026Oct 25, 2026
Tri City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3701 S 27th St, Milwaukee, WI 53221
36 Month Certificates of Deposit
$500
3.15% ▲ 0.29% above Wisconsin avg
View
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.86%▲ 0.29% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Oct 25, 2026
Tri City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3701 S 27th St, Milwaukee, WI 53221
Certificates of Deposit - 36 Months
$500
3.15% ▲ 0.29% above Wisconsin avg
View
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.86%▲ 0.29% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 4 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Oct 25, 2026
Brewery Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
1351 N DR MARTIN LUTHER KING JR DR, MILWAUKEE, WI 53212 4024
36 MONTH CD
$0
3.10% ▲ 0.24% above Wisconsin avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▲ 0.24% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 6 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 25, 2026
Brewery Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
1351 N DR MARTIN LUTHER KING JR DR, MILWAUKEE, WI 53212 4024
36 MONTH ROTH IRA CERTIFICATE
$0
3.10% ▲ 0.24% above Wisconsin avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▲ 0.24% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 6 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 25, 2026
Brewery Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
1351 N DR MARTIN LUTHER KING JR DR, MILWAUKEE, WI 53212 4024
36 MONTH TRAD IRA
$0
3.10% ▲ 0.24% above Wisconsin avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▲ 0.24% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 3 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 25, 2026
WaterStone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
6801 W Oklahoma Ave, Milwaukee, WI 53219
Fixed Rate IRA Promotional Certificates of Deposit - 36 Month
$2,500
3.00% ▲ 0.14% above Wisconsin avg
View
▼
Rate2.96%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.86%▲ 0.14% above avgNationally 2.81%
Details

IRA; Early withdrawal penalties may apply

Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 19, 2026: 3.00% APYSep 19, 2026Oct 25, 2026
WaterStone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
6801 W Oklahoma Ave, Milwaukee, WI 53219
Promotional Certificates of Deposit - 36 Month
$5,000
3.00% ▲ 0.14% above Wisconsin avg
View
▼
Rate2.96%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.86%▲ 0.14% above avgNationally 2.81%
Details

Interest rate and APY effective as of 10/05/26

Rate History
No change since Oct 20, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 20, 2026: 3.00% APYOct 20, 2026Oct 25, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
600 N VEL R PHILLIPS AVE, MILWAUKEE, WI 53203 2807
Certificate - 36 Months
$0
2.89% ▲ 0.03% above Wisconsin avg
View
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▲ 0.03% above avgNationally 2.81%
Details

Effective 08/03/2026

Rate History
No change since Sep 14, 2026 · 2.89% APY · checked 8 times
2.39%2.89%3.39%Sep 14, 2026: 2.89% APYSep 14, 2026Oct 25, 2026
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
535 E Wells St, Milwaukee, WI 53202
Certificate of Deposit Accounts (CD) - 3 year
$2,000
2.85% ▼ 0.01% below Wisconsin avg
View
▼
Rate2.85%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.86%▼ 0.01% below avgNationally 2.81%
Details

Balance: $2,000.00 and over; Interest payment: Annual; Compounding: Simple

Rate History
No change since Oct 20, 2026 · 2.85% APY · checked 2 times
2.35%2.85%3.35%Oct 20, 2026: 2.85% APYOct 20, 2026Oct 25, 2026
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
535 E Wells St, Milwaukee, WI 53202
Individual Retirement Accounts (IRA) - 3 year
$300
2.85% ▼ 0.01% below Wisconsin avg
View
▼
Rate2.85%
Min Deposit$300
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.86%▼ 0.01% below avgNationally 2.81%
Details

Balance: $300.00 and over; Interest Payment: Annual; Compounding: Simple

Rate History
1 change since Sep 14, 2026 · 2.75% → 2.85% ▲ 0.10 pts · high 2.85% / low 2.75%
2.25%2.80%3.35%Sep 14, 2026: 2.75% APYOct 7, 2026: 2.85% APYSep 14, 2026Oct 25, 2026
  • Oct 7, 20262.85%▲ from 2.75%
  • Sep 14, 20262.75%first recorded
Prime Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
4878 N Swan Rd, Milwaukee, WI 53225 4121
Certificate of Deposit (CD) - 36 Month
$0
2.79% ▼ 0.07% below Wisconsin avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.86%▼ 0.07% below avgNationally 2.81%
Details

Dividends compounded and paid quarterly

Rate History
No change since Oct 22, 2026 · 2.79% APY
2.29%2.79%3.29%Oct 22, 2026: 2.79% APYOct 22, 2026Oct 25, 2026
Peoples State Bank (WI)
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
790 North Jefferson Street, Milwaukee, WI 53202
36 Month CD
$2,500
2.75% ▼ 0.11% below Wisconsin avg
View
▼
Rate2.72%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.86%▼ 0.11% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 11 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 25, 2026
Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
7025 W Appleton Ave, Milwaukee, WI 53216 2733
Share Certificate - 3 Years
$500
2.75% ▼ 0.11% below Wisconsin avg
View
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▼ 0.11% below avgNationally 2.81%
Details

Regular & IRA Accounts; Rates for new share certificates only; Fees could reduce earnings on the account

Rate History
No change since Oct 9, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Oct 9, 2026: 2.75% APYOct 9, 2026Oct 25, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2701 S Kinnickinnic Ave, Milwaukee, WI 53207
36 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.11% below Wisconsin avg
View
▼
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
0.25%0.75%1.25%Oct 14, 2026: 0.75% APYOct 14, 2026Oct 25, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2701 S Kinnickinnic Ave, Milwaukee, WI 53207
36 Month Standard CD
$1,000
0.75% ▼ 2.11% below Wisconsin avg
View
▼
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
0.25%0.75%1.25%Oct 14, 2026: 0.75% APYOct 14, 2026Oct 25, 2026
WaterStone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
6801 W Oklahoma Ave, Milwaukee, WI 53219
Certificates of Deposit - 3 Year
$1,000
0.50% ▼ 2.36% below Wisconsin avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.86%▼ 2.36% below avgNationally 2.81%
Details

Rate History
No change since Oct 20, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 20, 2026: 0.50% APYOct 20, 2026Oct 25, 2026
WaterStone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
6801 W Oklahoma Ave, Milwaukee, WI 53219
Fixed Rate IRA Certificate of Deposit - 3 Year
$500
0.50% ▼ 2.36% below Wisconsin avg
View
▼
Rate0.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.86%▼ 2.36% below avgNationally 2.81%
Details

Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Oct 7, 2026: 0.50% APYOct 7, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4661 S 27th St, Milwaukee, WI 53221
3-Year Jumbo CD
$100,000
0.40% ▼ 2.46% below Wisconsin avg
View
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▼ 2.46% below avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 2 times
0.00%0.45%0.90%Sep 24, 2026: 0.40% APYSep 24, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4661 S 27th St, Milwaukee, WI 53221
3-Year Term CD
$1,000
0.40% ▼ 2.46% below Wisconsin avg
View
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▼ 2.46% below avgNationally 2.81%
Details

Rate History
No change since Oct 19, 2026 · 0.40% APY
0.00%0.45%0.90%Oct 19, 2026: 0.40% APYOct 19, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4661 S 27th St, Milwaukee, WI 53221
Term CD - 3-Year
$1,000
0.40% ▼ 2.46% below Wisconsin avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▼ 2.46% below avgNationally 2.81%
Details

Minimum of $1,000 to open your account

Rate History
No change since Oct 19, 2026 · 0.40% APY
0.00%0.45%0.90%Oct 19, 2026: 0.40% APYOct 19, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4661 S 27th St, Milwaukee, WI 53221
3-Year RampUp CD
$25,000
0.25% ▼ 2.61% below Wisconsin avg
View
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.86%▼ 2.61% below avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Sep 24, 2026: 0.25% APYSep 24, 2026Oct 25, 2026
North Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
9131 W Oklahoma Ave, Milwaukee, WI 53227
3-year CD
$1,000
0.20% ▼ 2.66% below Wisconsin avg
View
▼
Rate0.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.86%▼ 2.66% below avgNationally 2.81%
Details

Interest Compounding: Quarterly

Rate History
No change since Oct 8, 2026 · 0.20% APY · checked 4 times
0.00%0.35%0.70%Oct 8, 2026: 0.20% APYOct 8, 2026Oct 25, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4661 S 27th St, Milwaukee, WI 53221
3 Year Certificate of Deposit
$500
0.05% ▼ 2.81% below Wisconsin avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.86%▼ 2.81% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Oct 25, 2026
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
250 E Wisconsin Ave, Milwaukee, WI 53202
36 month CD
$1,000
0.04% ▼ 2.82% below Wisconsin avg
View
▼
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
0.00%0.27%0.54%Oct 22, 2026: 0.04% APYOct 22, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3470 S 27th St, Milwaukee, WI 53215
Certificate of Deposit - 36 Months
$1,000
0.03% ▼ 2.83% below Wisconsin avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.86%▼ 2.83% below avgNationally 2.81%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3470 S 27th St, Milwaukee, WI 53215
IRA CD 36 Months
$250
0.03% ▼ 2.83% below Wisconsin avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.86%▼ 2.83% below avgNationally 2.81%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3470 S 27th St, Milwaukee, WI 53215
Certificate of Deposit - 36 Months
$1,000
0.02% ▼ 2.84% below Wisconsin avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.86%▼ 2.84% below avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026

Milwaukee 48 Month CD Rates

Wisconsin 48 Month CD Average2.78% APYNational 2.81%▲ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
4000 S 27th St, Milwaukee, WI 53221
4 Year Certificate Account
$0
4.40% ▲ 1.62% above Wisconsin avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.78%▲ 1.62% above avgNationally 2.81%
Details

Maturity Date (Regular, Business or IRA)

Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 14, 2026: 4.40% APYOct 14, 2026Oct 25, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
48-Month Traditional/Roth IRA CD
$50,000
4.39% ▲ 1.61% above Wisconsin avg
View
▼
Rate4.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.78%▲ 1.61% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.76% → 4.39% ▲ 0.63 pts · high 4.39% / low 3.76%
3.13%4.07%5.02%Sep 14, 2026: 3.76% APYSep 29, 2026: 4.39% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20264.39%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
Certificates of Deposit (CD) - 48-Month
$50,000
4.39% ▲ 1.61% above Wisconsin avg
View
▼
Rate4.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.78%▲ 1.61% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 4.39% APY · checked 2 times
3.89%4.39%4.89%Oct 13, 2026: 4.39% APYOct 13, 2026Oct 25, 2026
Bank Five Nine
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
400 E Wisconsin Ave, Milwaukee, WI 53202
48 Month CD
$1,000
4.25% ▲ 1.47% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.78%▲ 1.47% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 25, 2026
Bank Five Nine
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
400 E Wisconsin Ave, Milwaukee, WI 53202
48 Month IRA
$100
4.25% ▲ 1.47% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.78%▲ 1.47% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 25, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
48-Month Traditional/Roth IRA CD
$500
4.23% ▲ 1.45% above Wisconsin avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.78%▲ 1.45% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.61% → 4.23% ▲ 0.62 pts · high 4.23% / low 3.61%
2.99%3.92%4.85%Sep 14, 2026: 3.61% APYSep 29, 2026: 4.23% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20264.23%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
Certificates of Deposit (CD) - 48-Month
$500
4.23% ▲ 1.45% above Wisconsin avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.78%▲ 1.45% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 4.23% APY · checked 2 times
3.73%4.23%4.73%Oct 13, 2026: 4.23% APYOct 13, 2026Oct 25, 2026
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
5630 W Fond Du Lac Ave, Milwaukee, WI 53216
IRA Term Certificate - 48 Months
$0
4.18% ▲ 1.40% above Wisconsin avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▲ 1.40% above avgNationally 2.81%
Details

Effective Date: October 1, 2026

Rate History
No change since Oct 22, 2026 · 4.18% APY
3.68%4.18%4.68%Oct 22, 2026: 4.18% APYOct 22, 2026Oct 25, 2026
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
5630 W Fond Du Lac Ave, Milwaukee, WI 53216
Term Certificate - 48 Months
$0
4.18% ▲ 1.40% above Wisconsin avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▲ 1.40% above avgNationally 2.81%
Details

Fixed rate; Effective Date: October 1, 2026

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.18% ▲ 0.36 pts · high 4.18% / low 3.82%
3.32%4.00%4.68%Sep 14, 2026: 3.82% APYOct 22, 2026: 4.18% APYSep 14, 2026Oct 25, 2026
  • Oct 22, 20264.18%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
333 N 35th St, Milwaukee, WI 53208
Jumbo Individual Retirement Account Certificates - 48-month
$0
4.15% ▲ 1.37% above Wisconsin avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 1.37% above avgNationally 2.81%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.40% → 4.15% ▲ 0.75 pts · high 4.15% / low 3.40%
2.65%3.78%4.90%Sep 14, 2026: 3.40% APYOct 5, 2026: 4.15% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20264.15%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
333 N 35th St, Milwaukee, WI 53208
Individual Retirement Account Certificates - 48-month IRA
$0
4.10% ▲ 1.32% above Wisconsin avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 1.32% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 13, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 13, 2026: 4.10% APYOct 13, 2026Oct 25, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
333 N 35th St, Milwaukee, WI 53208
48 Month Jumbo Certificates
$0
4.05% ▲ 1.27% above Wisconsin avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 1.27% above avgNationally 2.81%
Details

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

Rate History
1 change since Sep 22, 2026 · 3.30% → 4.05% ▲ 0.75 pts · high 4.05% / low 3.30%
2.55%3.68%4.80%Sep 22, 2026: 3.30% APYOct 13, 2026: 4.05% APYSep 22, 2026Oct 25, 2026
  • Oct 13, 20264.05%▲ from 3.30%
  • Sep 22, 20263.30%first recorded
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
611 E Wisconsin Ave, Milwaukee, WI 53202
4-Year CD
$1,000
4.00% ▲ 1.22% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▲ 1.22% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 20, 2026: 4.00% APYSep 20, 2026Oct 25, 2026
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
611 E Wisconsin Ave, Milwaukee, WI 53202
4-Year IRA
$0
4.00% ▲ 1.22% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▲ 1.22% above avgNationally 2.81%
Details

Open Account Online

Rate History
No change since Sep 28, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 28, 2026: 4.00% APYSep 28, 2026Oct 25, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
333 N 35th St, Milwaukee, WI 53208
48 Month Certificates
$0
4.00% ▲ 1.22% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 1.22% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
2.50%3.63%4.75%Sep 18, 2026: 3.25% APYOct 19, 2026: 4.00% APYSep 18, 2026Oct 25, 2026
  • Oct 19, 20264.00%▲ from 3.25%
  • Sep 18, 20263.25%first recorded
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
48 Month IRA Certificates
$0
3.35% ▲ 0.57% above Wisconsin avg
View
▼
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
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
48 Month Regular Certificate
$0
3.35% ▲ 0.57% above Wisconsin avg
View
▼
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
2.85%3.35%3.85%Oct 13, 2026: 3.35% APYOct 13, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
48 Month IRA Certificates
$0
3.30% ▲ 0.52% above Wisconsin avg
View
▼
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
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
48 Month Regular Certificate
$0
3.30% ▲ 0.52% above Wisconsin avg
View
▼
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
2.80%3.30%3.80%Oct 19, 2026: 3.30% APYOct 19, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
IRA Certificates - 48 Months
$0
3.30% ▲ 0.52% above Wisconsin avg
View
▼
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
2.80%3.30%3.80%Oct 9, 2026: 3.30% APYOct 9, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
48 Month Certificate - Regular
$0
3.25% ▲ 0.47% above Wisconsin avg
View
▼
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
2.75%3.25%3.75%Oct 13, 2026: 3.25% APYOct 13, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
48 Month IRA Certificate
$0
3.25% ▲ 0.47% above Wisconsin avg
View
▼
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
2.75%3.25%3.75%Oct 9, 2026: 3.25% APYOct 9, 2026Oct 25, 2026
Tri City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3701 S 27th St, Milwaukee, WI 53221
48 Month Certificates of Deposit
$500
3.15% ▲ 0.37% above Wisconsin avg
View
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.78%▲ 0.37% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Oct 25, 2026
Tri City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3701 S 27th St, Milwaukee, WI 53221
Certificates of Deposit - 48 Months
$500
3.15% ▲ 0.37% above Wisconsin avg
View
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.78%▲ 0.37% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 4 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Oct 25, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
600 N VEL R PHILLIPS AVE, MILWAUKEE, WI 53203 2807
Certificate - 48 Months
$0
3.09% ▲ 0.31% above Wisconsin avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 0.31% above avgNationally 2.81%
Details

Effective 08/03/2026

Rate History
No change since Sep 14, 2026 · 3.09% APY · checked 8 times
2.59%3.09%3.59%Sep 14, 2026: 3.09% APYSep 14, 2026Oct 25, 2026
Peoples State Bank (WI)
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
790 North Jefferson Street, Milwaukee, WI 53202
48 Month CD
$2,500
3.00% ▲ 0.22% above Wisconsin avg
View
▼
Rate2.96%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▲ 0.22% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 11 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 25, 2026
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
535 E Wells St, Milwaukee, WI 53202
Certificate of Deposit Accounts (CD) - 4 year
$2,000
2.95% ▲ 0.17% above Wisconsin avg
View
▼
Rate2.95%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▲ 0.17% above avgNationally 2.81%
Details

Balance: $2,000.00 and over; Interest payment: Annual; Compounding: Simple

Rate History
No change since Oct 20, 2026 · 2.95% APY · checked 2 times
2.45%2.95%3.45%Oct 20, 2026: 2.95% APYOct 20, 2026Oct 25, 2026
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
535 E Wells St, Milwaukee, WI 53202
Individual Retirement Accounts (IRA) - 4 year
$300
2.95% ▲ 0.17% above Wisconsin avg
View
▼
Rate2.95%
Min Deposit$300
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▲ 0.17% above avgNationally 2.81%
Details

Balance: $300.00 and over; Interest Payment: Annual; Compounding: Simple

Rate History
1 change since Sep 14, 2026 · 2.75% → 2.95% ▲ 0.20 pts · high 2.95% / low 2.75%
2.25%2.85%3.45%Sep 14, 2026: 2.75% APYOct 7, 2026: 2.95% APYSep 14, 2026Oct 25, 2026
  • Oct 7, 20262.95%▲ from 2.75%
  • Sep 14, 20262.75%first recorded
Prime Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
4878 N Swan Rd, Milwaukee, WI 53225 4121
Certificate of Deposit (CD) - 48 Month
$0
2.89% ▲ 0.11% above Wisconsin avg
View
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▲ 0.11% above avgNationally 2.81%
Details

Dividends compounded and paid quarterly

Rate History
No change since Oct 22, 2026 · 2.89% APY
2.39%2.89%3.39%Oct 22, 2026: 2.89% APYOct 22, 2026Oct 25, 2026
Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
7025 W Appleton Ave, Milwaukee, WI 53216 2733
Share Certificate - 4 Years
$500
2.85% ▲ 0.07% above Wisconsin avg
View
▼
Rate2.82%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 0.07% above avgNationally 2.81%
Details

Regular & IRA Accounts; Rates for new share certificates only; Fees could reduce earnings on the account

Rate History
No change since Oct 9, 2026 · 2.85% APY · checked 3 times
2.35%2.85%3.35%Oct 9, 2026: 2.85% APYOct 9, 2026Oct 25, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2701 S Kinnickinnic Ave, Milwaukee, WI 53207
48 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.03% below Wisconsin avg
View
▼
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
0.25%0.75%1.25%Oct 14, 2026: 0.75% APYOct 14, 2026Oct 25, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2701 S Kinnickinnic Ave, Milwaukee, WI 53207
48 Month Standard CD
$1,000
0.75% ▼ 2.03% below Wisconsin avg
View
▼
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
0.25%0.75%1.25%Oct 14, 2026: 0.75% APYOct 14, 2026Oct 25, 2026
WaterStone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
6801 W Oklahoma Ave, Milwaukee, WI 53219
Certificates of Deposit - 4 Year
$1,000
0.60% ▼ 2.18% below Wisconsin avg
View
▼
Rate0.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.78%▼ 2.18% below avgNationally 2.81%
Details

Rate History
No change since Oct 20, 2026 · 0.60% APY · checked 2 times
0.10%0.60%1.10%Oct 20, 2026: 0.60% APYOct 20, 2026Oct 25, 2026
WaterStone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
6801 W Oklahoma Ave, Milwaukee, WI 53219
Fixed Rate IRA Certificate of Deposit - 4 Year
$500
0.60% ▼ 2.18% below Wisconsin avg
View
▼
Rate0.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.78%▼ 2.18% below avgNationally 2.81%
Details

Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.60% APY · checked 4 times
0.10%0.60%1.10%Oct 7, 2026: 0.60% APYOct 7, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4661 S 27th St, Milwaukee, WI 53221
4-Year Jumbo CD
$100,000
0.50% ▼ 2.28% below Wisconsin avg
View
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▼ 2.28% below avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Sep 24, 2026: 0.50% APYSep 24, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4661 S 27th St, Milwaukee, WI 53221
4-Year Term CD
$1,000
0.50% ▼ 2.28% below Wisconsin avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▼ 2.28% below avgNationally 2.81%
Details

Rate History
No change since Oct 19, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 19, 2026: 0.50% APYOct 19, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4661 S 27th St, Milwaukee, WI 53221
Term CD - 4-Year
$1,000
0.50% ▼ 2.28% below Wisconsin avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▼ 2.28% below avgNationally 2.81%
Details

Minimum of $1,000 to open your account

Rate History
No change since Oct 19, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 19, 2026: 0.50% APYOct 19, 2026Oct 25, 2026
North Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
9131 W Oklahoma Ave, Milwaukee, WI 53227
4-year CD
$1,000
0.25% ▼ 2.53% below Wisconsin avg
View
▼
Rate0.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▼ 2.53% below avgNationally 2.81%
Details

Interest Compounding: Quarterly

Rate History
No change since Oct 8, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Oct 8, 2026: 0.25% APYOct 8, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4661 S 27th St, Milwaukee, WI 53221
4-Year RampUp CD
$50,000
0.25% ▼ 2.53% below Wisconsin avg
View
▼
Rate0.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▼ 2.53% below avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Sep 24, 2026: 0.25% APYSep 24, 2026Oct 25, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4661 S 27th St, Milwaukee, WI 53221
4 Year Certificate of Deposit
$500
0.15% ▼ 2.63% below Wisconsin avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▼ 2.63% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 7 times
0.00%0.33%0.65%Sep 18, 2026: 0.15% APYSep 18, 2026Oct 25, 2026
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
250 E Wisconsin Ave, Milwaukee, WI 53202
48 month CD
$1,000
0.05% ▼ 2.73% below Wisconsin avg
View
▼
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
0.00%0.28%0.55%Oct 22, 2026: 0.05% APYOct 22, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3470 S 27th St, Milwaukee, WI 53215
Certificate of Deposit - 48 Months
$1,000
0.03% ▼ 2.75% below Wisconsin avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.78%▼ 2.75% below avgNationally 2.81%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3470 S 27th St, Milwaukee, WI 53215
IRA CD 48 Months
$250
0.03% ▼ 2.75% below Wisconsin avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.78%▼ 2.75% below avgNationally 2.81%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3470 S 27th St, Milwaukee, WI 53215
Certificate of Deposit - 48 Months
$1,000
0.02% ▼ 2.76% below Wisconsin avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.78%▼ 2.76% below avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3470 S 27th St, Milwaukee, WI 53215
IRA CD 48 Months
$250
0.02% ▼ 2.76% below Wisconsin avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.78%▼ 2.76% below avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3470 S 27th St, Milwaukee, WI 53215
Certificate of Deposit - 48 Months
$1,000
0.01% ▼ 2.77% below Wisconsin avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.78%▼ 2.77% below avgNationally 2.81%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3470 S 27th St, Milwaukee, WI 53215
IRA CD 48 Months
$250
0.01% ▼ 2.77% below Wisconsin avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.78%▼ 2.77% below avgNationally 2.81%
Details

Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 25, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 48 Month
$2,500
4.70% ▲ 1.92% above Wisconsin avg
View
▼
Rate4.62%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.78%▲ 1.92% above avgNationally 2.81%
Details

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

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.70% ▲ 0.45 pts · high 4.70% / low 4.25%
3.75%4.48%5.20%Sep 14, 2026: 4.25% APYSep 24, 2026: 4.70% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.70%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Jumbo Share or IRA Certificate (4 Year)
$10,000
4.40% ▲ 1.62% above Wisconsin avg
View
▼
Rate4.33%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 1.62% above avgNationally 2.81%
Details

Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 5 times
3.90%4.40%4.90%Oct 5, 2026: 4.40% APYOct 5, 2026Oct 25, 2026
Meadowland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
Share Certificate and IRA Certificate - 4 Year
$0
4.35% ▲ 1.57% above Wisconsin avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.78%▲ 1.57% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 19, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 19, 2026: 4.35% APYOct 19, 2026Oct 25, 2026

Milwaukee 60 Month CD Rates

Wisconsin 60 Month CD Average2.99% APYNational 2.92%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
333 N 35th St, Milwaukee, WI 53208
Jumbo Individual Retirement Account Certificates - 60-month
$0
4.66% ▲ 1.67% above Wisconsin avg
View
▼
Rate4.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.99%▲ 1.67% above avgNationally 2.92%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.66% ▲ 1.01 pts · high 4.66% / low 3.65%
2.64%4.15%5.67%Sep 14, 2026: 3.65% APYOct 5, 2026: 4.66% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20264.66%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
333 N 35th St, Milwaukee, WI 53208
Individual Retirement Account Certificates - 60-month IRA
$0
4.61% ▲ 1.62% above Wisconsin avg
View
▼
Rate4.53%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.99%▲ 1.62% above avgNationally 2.92%
Details

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

Rate History
No change since Oct 13, 2026 · 4.61% APY · checked 2 times
4.11%4.61%5.11%Oct 13, 2026: 4.61% APYOct 13, 2026Oct 25, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
333 N 35th St, Milwaukee, WI 53208
60 Month Jumbo Certificates
$0
4.55% ▲ 1.56% above Wisconsin avg
View
▼
Rate4.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.99%▲ 1.56% above avgNationally 2.92%
Details

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

Rate History
1 change since Sep 22, 2026 · 3.55% → 4.55% ▲ 1.00 pts · high 4.55% / low 3.55%
2.55%4.05%5.55%Sep 22, 2026: 3.55% APYOct 13, 2026: 4.55% APYSep 22, 2026Oct 25, 2026
  • Oct 13, 20264.55%▲ from 3.55%
  • Sep 22, 20263.55%first recorded
Bank Five Nine
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
400 E Wisconsin Ave, Milwaukee, WI 53202
60 Month CD
$1,000
4.50% ▲ 1.51% above Wisconsin avg
View
▼
Rate4.43%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.99%▲ 1.51% above avgNationally 2.92%
Details

Rate History
No change since Oct 14, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 14, 2026: 4.50% APYOct 14, 2026Oct 25, 2026
Bank Five Nine
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
400 E Wisconsin Ave, Milwaukee, WI 53202
60 Month IRA
$100
4.50% ▲ 1.51% above Wisconsin avg
View
▼
Rate4.43%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.99%▲ 1.51% above avgNationally 2.92%
Details

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

Rate History
No change since Oct 14, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 14, 2026: 4.50% APYOct 14, 2026Oct 25, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
333 N 35th St, Milwaukee, WI 53208
60 Month Certificates
$0
4.50% ▲ 1.51% above Wisconsin avg
View
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.99%▲ 1.51% above avgNationally 2.92%
Details

Rate History
1 change since Sep 18, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
2.50%4.00%5.50%Sep 18, 2026: 3.50% APYOct 13, 2026: 4.50% APYSep 18, 2026Oct 25, 2026
  • Oct 13, 20264.50%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
60-Month Traditional/Roth IRA CD
$50,000
4.44% ▲ 1.45% above Wisconsin avg
View
▼
Rate4.35%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.99%▲ 1.45% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.76% → 4.44% ▲ 0.68 pts · high 4.44% / low 3.76%
3.08%4.10%5.12%Sep 14, 2026: 3.76% APYSep 29, 2026: 4.44% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20264.44%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
Certificates of Deposit (CD) - 60-Month
$50,000
4.44% ▲ 1.45% above Wisconsin avg
View
▼
Rate4.35%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.99%▲ 1.45% above avgNationally 2.92%
Details

Rate History
No change since Oct 13, 2026 · 4.44% APY · checked 2 times
3.94%4.44%4.94%Oct 13, 2026: 4.44% APYOct 13, 2026Oct 25, 2026
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
4000 S 27th St, Milwaukee, WI 53221
5 Year Certificate Account
$0
4.40% ▲ 1.41% above Wisconsin avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.99%▲ 1.41% above avgNationally 2.92%
Details

Maturity Date (Regular, Business or IRA)

Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 14, 2026: 4.40% APYOct 14, 2026Oct 25, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
60-Month Traditional/Roth IRA CD
$500
4.28% ▲ 1.29% above Wisconsin avg
View
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.99%▲ 1.29% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.61% → 4.28% ▲ 0.67 pts · high 4.28% / low 3.61%
2.94%3.95%4.95%Sep 14, 2026: 3.61% APYSep 29, 2026: 4.28% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20264.28%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
600 N Vel R Phillips Ave, Milwaukee, WI 53203 2807
Certificates of Deposit (CD) - 60-Month
$500
4.28% ▲ 1.29% above Wisconsin avg
View
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.99%▲ 1.29% above avgNationally 2.92%
Details

Rate History
No change since Oct 13, 2026 · 4.28% APY · checked 2 times
3.78%4.28%4.78%Oct 13, 2026: 4.28% APYOct 13, 2026Oct 25, 2026
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
5630 W Fond Du Lac Ave, Milwaukee, WI 53216
IRA Term Certificate - 60 Months
$0
4.18% ▲ 1.19% above Wisconsin avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.99%▲ 1.19% above avgNationally 2.92%
Details

Effective Date: October 1, 2026

Rate History
No change since Oct 22, 2026 · 4.18% APY
3.68%4.18%4.68%Oct 22, 2026: 4.18% APYOct 22, 2026Oct 25, 2026
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
5630 W Fond Du Lac Ave, Milwaukee, WI 53216
Term Certificate - 60 Months
$0
4.18% ▲ 1.19% above Wisconsin avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.99%▲ 1.19% above avgNationally 2.92%
Details

Fixed rate; Effective Date: October 1, 2026

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.18% ▲ 0.36 pts · high 4.18% / low 3.82%
3.32%4.00%4.68%Sep 14, 2026: 3.82% APYOct 22, 2026: 4.18% APYSep 14, 2026Oct 25, 2026
  • Oct 22, 20264.18%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
611 E Wisconsin Ave, Milwaukee, WI 53202
5-Year CD
$1,000
4.00% ▲ 1.01% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.99%▲ 1.01% above avgNationally 2.92%
Details

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

Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 20, 2026: 4.00% APYSep 20, 2026Oct 25, 2026
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
611 E Wisconsin Ave, Milwaukee, WI 53202
5-Year IRA
$0
4.00% ▲ 1.01% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.99%▲ 1.01% above avgNationally 2.92%
Details

Open Account Online

Rate History
No change since Sep 28, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 28, 2026: 4.00% APYSep 28, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
60 Month IRA Certificates
$0
3.35% ▲ 0.36% above Wisconsin avg
View
▼
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
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
60 Month Regular Certificate
$0
3.35% ▲ 0.36% above Wisconsin avg
View
▼
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
2.85%3.35%3.85%Oct 13, 2026: 3.35% APYOct 13, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
60 Month IRA Certificates
$0
3.30% ▲ 0.31% above Wisconsin avg
View
▼
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
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
60 Month Regular Certificate
$0
3.30% ▲ 0.31% above Wisconsin avg
View
▼
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
2.80%3.30%3.80%Oct 19, 2026: 3.30% APYOct 19, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
IRA Certificates - 60 Months
$0
3.30% ▲ 0.31% above Wisconsin avg
View
▼
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
2.80%3.30%3.80%Oct 9, 2026: 3.30% APYOct 9, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
60 Month Certificate - Regular
$0
3.25% ▲ 0.26% above Wisconsin avg
View
▼
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
2.75%3.25%3.75%Oct 13, 2026: 3.25% APYOct 13, 2026Oct 25, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
UWM Union First Floor West, Milwaukee, WI 53211
60 Month IRA Certificate
$0
3.25% ▲ 0.26% above Wisconsin avg
View
▼
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
2.75%3.25%3.75%Oct 9, 2026: 3.25% APYOct 9, 2026Oct 25, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
600 N VEL R PHILLIPS AVE, MILWAUKEE, WI 53203 2807
Certificate - 60 Months
$0
3.20% ▲ 0.21% above Wisconsin avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.99%▲ 0.21% above avgNationally 2.92%
Details

Effective 08/03/2026

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 8 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 25, 2026
Tri City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3701 S 27th St, Milwaukee, WI 53221
60 Month Certificates of Deposit
$500
3.15% ▲ 0.16% above Wisconsin avg
View
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.99%▲ 0.16% above avgNationally 2.92%
Details

Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Oct 25, 2026
Tri City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3701 S 27th St, Milwaukee, WI 53221
Certificates of Deposit - 60 Months
$500
3.15% ▲ 0.16% above Wisconsin avg
View
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.99%▲ 0.16% above avgNationally 2.92%
Details

Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 4 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Oct 25, 2026
Prime Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
4878 N Swan Rd, Milwaukee, WI 53225 4121
Certificate of Deposit (CD) - 60 Month
$0
3.04% ▲ 0.05% above Wisconsin avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.99%▲ 0.05% above avgNationally 2.92%
Details

Dividends compounded and paid quarterly

Rate History
No change since Oct 22, 2026 · 3.04% APY
2.54%3.04%3.54%Oct 22, 2026: 3.04% APYOct 22, 2026Oct 25, 2026
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
535 E Wells St, Milwaukee, WI 53202
Certificate of Deposit Accounts (CD) - 5 Year
$2,000
3.00% ▲ 0.01% above Wisconsin avg
View
▼
Rate3.00%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.99%▲ 0.01% above avgNationally 2.92%
Details

Balance: $2,000.00 and over; Interest payment: Annual; Compounding: Simple

Rate History
No change since Oct 20, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 20, 2026: 3.00% APYOct 20, 2026Oct 25, 2026
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
535 E Wells St, Milwaukee, WI 53202
Individual Retirement Accounts (IRA) - 5 year
$300
3.00% ▲ 0.01% above Wisconsin avg
View
▼
Rate3.00%
Min Deposit$300
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.99%▲ 0.01% above avgNationally 2.92%
Details

Balance: $300.00 and over; Interest Payment: Annual; Compounding: Simple

Rate History
1 change since Sep 14, 2026 · 2.80% → 3.00% ▲ 0.20 pts · high 3.00% / low 2.80%
2.30%2.90%3.50%Sep 14, 2026: 2.80% APYOct 7, 2026: 3.00% APYSep 14, 2026Oct 25, 2026
  • Oct 7, 20263.00%▲ from 2.80%
  • Sep 14, 20262.80%first recorded
Peoples State Bank (WI)
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
790 North Jefferson Street, Milwaukee, WI 53202
60 Month CD
$2,500
3.00% ▲ 0.01% above Wisconsin avg
View
▼
Rate2.96%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.99%▲ 0.01% above avgNationally 2.92%
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 11 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 25, 2026
Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
7025 W Appleton Ave, Milwaukee, WI 53216 2733
Share Certificate - 5 Years
$500
3.00% ▲ 0.01% above Wisconsin avg
View
▼
Rate2.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.99%▲ 0.01% above avgNationally 2.92%
Details

Regular & IRA Accounts; Rates for new share certificates only; Fees could reduce earnings on the account

Rate History
No change since Oct 9, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 9, 2026: 3.00% APYOct 9, 2026Oct 25, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2701 S Kinnickinnic Ave, Milwaukee, WI 53207
60 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.24% below Wisconsin avg
View
▼
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
0.25%0.75%1.25%Oct 14, 2026: 0.75% APYOct 14, 2026Oct 25, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2701 S Kinnickinnic Ave, Milwaukee, WI 53207
60 Month Standard CD
$1,000
0.75% ▼ 2.24% below Wisconsin avg
View
▼
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
0.25%0.75%1.25%Oct 14, 2026: 0.75% APYOct 14, 2026Oct 25, 2026
WaterStone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
6801 W Oklahoma Ave, Milwaukee, WI 53219
Certificates of Deposit - 5 Year
$1,000
0.70% ▼ 2.29% below Wisconsin avg
View
▼
Rate0.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.99%▼ 2.29% below avgNationally 2.92%
Details

Rate History
No change since Oct 20, 2026 · 0.70% APY · checked 2 times
0.20%0.70%1.20%Oct 20, 2026: 0.70% APYOct 20, 2026Oct 25, 2026
WaterStone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
6801 W Oklahoma Ave, Milwaukee, WI 53219
Fixed Rate IRA Certificate of Deposit - 5 Year
$500
0.70% ▼ 2.29% below Wisconsin avg
View
▼
Rate0.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Wisconsin Average2.99%▼ 2.29% below avgNationally 2.92%
Details

Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.70% APY · checked 4 times
0.20%0.70%1.20%Oct 7, 2026: 0.70% APYOct 7, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4661 S 27th St, Milwaukee, WI 53221
5-Year Jumbo CD
$100,000
0.50% ▼ 2.49% below Wisconsin avg
View
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.99%▼ 2.49% below avgNationally 2.92%
Details

Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Sep 24, 2026: 0.50% APYSep 24, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4661 S 27th St, Milwaukee, WI 53221
5-Year Term CD
$1,000
0.50% ▼ 2.49% below Wisconsin avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.99%▼ 2.49% below avgNationally 2.92%
Details

Rate History
No change since Oct 19, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 19, 2026: 0.50% APYOct 19, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4661 S 27th St, Milwaukee, WI 53221
Term CD - 5-Year
$1,000
0.50% ▼ 2.49% below Wisconsin avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.99%▼ 2.49% below avgNationally 2.92%
Details

Minimum of $1,000 to open your account

Rate History
No change since Oct 19, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 19, 2026: 0.50% APYOct 19, 2026Oct 25, 2026
North Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
9131 W Oklahoma Ave, Milwaukee, WI 53227
5-year CD
$1,000
0.35% ▼ 2.64% below Wisconsin avg
View
▼
Rate0.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.99%▼ 2.64% below avgNationally 2.92%
Details

Interest Compounding: Quarterly

Rate History
No change since Oct 8, 2026 · 0.35% APY · checked 4 times
0.00%0.43%0.85%Oct 8, 2026: 0.35% APYOct 8, 2026Oct 25, 2026
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
250 E Wisconsin Ave, Milwaukee, WI 53202
60 month CD
$1,000
0.10% ▼ 2.89% below Wisconsin avg
View
▼
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
0.00%0.30%0.60%Oct 22, 2026: 0.10% APYOct 22, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3470 S 27th St, Milwaukee, WI 53215
Certificate of Deposit - 60 Months
$1,000
0.03% ▼ 2.96% below Wisconsin avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.99%▼ 2.96% below avgNationally 2.92%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3470 S 27th St, Milwaukee, WI 53215
IRA CD 60 Months
$250
0.03% ▼ 2.96% below Wisconsin avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.99%▼ 2.96% below avgNationally 2.92%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3470 S 27th St, Milwaukee, WI 53215
Certificate of Deposit - 60 Months
$1,000
0.02% ▼ 2.97% below Wisconsin avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.99%▼ 2.97% below avgNationally 2.92%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3470 S 27th St, Milwaukee, WI 53215
IRA CD 60 Months
$250
0.02% ▼ 2.97% below Wisconsin avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.99%▼ 2.97% below avgNationally 2.92%
Details

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3470 S 27th St, Milwaukee, WI 53215
Certificate of Deposit - 60 Months
$1,000
0.01% ▼ 2.98% below Wisconsin avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.99%▼ 2.98% below avgNationally 2.92%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3470 S 27th St, Milwaukee, WI 53215
IRA CD 60 Months
$250
0.01% ▼ 2.98% below Wisconsin avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wisconsin Average2.99%▼ 2.98% below avgNationally 2.92%
Details

Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 25, 2026
Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
Certificates - 60-Month
$250
5.15% ▲ 2.16% above Wisconsin avg
View
▼
Rate5.05%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.99%▲ 2.16% above avgNationally 2.92%
Details

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

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

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

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%
3.85%4.55%5.25%Sep 14, 2026: 4.35% APYSep 24, 2026: 4.75% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.75%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Waukesha State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
Certificate of Deposit - 5 Years
$500
4.65% ▲ 1.66% above Wisconsin avg
View
▼
Rate4.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Wisconsin Average2.99%▲ 1.66% above avgNationally 2.92%
Details

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

Rate History
No change since Oct 22, 2026 · 4.65% APY
4.15%4.65%5.15%Oct 22, 2026: 4.65% APYOct 22, 2026Oct 25, 2026
1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
60-MONTH YOUTH CERTIFICATE SPECIAL
$500
4.60% ▲ 1.61% above Wisconsin avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wisconsin Average2.99%▲ 1.61% above avgNationally 2.92%
Details

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

Rate History
No change since Sep 14, 2026 · 4.60% APY · checked 8 times
4.10%4.60%5.10%Sep 14, 2026: 4.60% APYSep 14, 2026Oct 25, 2026
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 mo Certificate of Deposit
$500
4.54% ▲ 1.55% above Wisconsin avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Wisconsin Average2.99%▲ 1.55% above avgNationally 2.92%
Details

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

Rate History
No change since Oct 15, 2026 · 4.54% APY · checked 2 times
4.04%4.54%5.04%Oct 15, 2026: 4.54% APYOct 15, 2026Oct 25, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Milwaukee, Wisconsin Institutions

Highest verified APYs available today, updated October 23, 2026

B Top 5 Bank Rates
CIBC
12-month CD
A+ 5.0 ★ TX: 5.05%
Min: $1,000
4.50%
Bank Five Nine
60 Month CD
A 5.0 ★ TX: 8.25%
Min: $1,000
4.50%
Ixonia Bank
3-Year CD
A+ 5.0 ★ TX: 2.14%
Min: $1,000
4.50%
WaterStone Bank
Fixed Rate IRA Promotional Certificates of Deposit - 12 Month
A+ 5.0 ★ TX: 2.07%
Min: $2,500
4.00%
CIT Bank
1-Year Term CD
A 5.0 ★ TX: 7.72%
Min: $1,000
4.00%
CU Top 5 Credit Union Rates
Marine Credit Union
Jumbo Individual Retirement Account Certificates - 60-month
A 5.0 ★ TX: 13.08%
Min: $0
4.66%
Cranberry Federal Credit Union
12-Month Traditional/Roth IRA CD
A+ 5.0 ★ TX: 5.35%
Min: $100,000
4.59%
Northwestern Mutual Credit Union
2 Year Certificate of Deposit
A+ 5.0 ★ TX: 0.01%
Min: $0
4.45%
Landmark Credit Union WI
12 Month Certificate Account
A+ 5.0 ★ TX: 3.05%
Min: $0
4.40%
Self-Help Federal Credit Union
IRA Term Certificate - 36 Months
A+ 5.0 ★ TX: 2.49%
Min: $0
4.18%
Rates verified October 23, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Milwaukee, WI CD Rate Trends

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

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

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

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

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

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

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

WI CD Rate Forecast, Next 12 Months

Where are Wisconsin CD rates headed through October 2027?

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

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

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

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

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

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

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What Your Savings Earn at WI CD Rates Today

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

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

$25,000 split equally across 5 terms using today’s Wisconsin average rates. As each CD matures, reinvest at the 36-month rung.

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

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

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2,047
CD Rates
Tracked in Milwaukee, Wisconsin
61 Banks 58 Credit Unions

About Our Milwaukee, Wisconsin CD Rate Database

MonitorBankRates tracks 2,047 CD rates from 61 banks and 58 credit unions with locations in Milwaukee, 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: Marine Credit Union offers a CD at 4.66% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Milwaukee, Wisconsin.

How to Find the Best CD Rates in Milwaukee, Wisconsin

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

To find the best APYs in Milwaukee, Wisconsin, start with credit unions and online-only banks: Milwaukee, Wisconsin has 58 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 Milwaukee, 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 Milwaukee, Wisconsin: 119 institutions here report CD rates

Consider an Alternative If…

Milwaukee, Wisconsin Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
12.0%
National avg: 17.3%
Median Individual Earnings
$36,574
National avg: $47,340
Poverty Rate
22.8%
National avg: 11.1%
Unemployment Rate
6.2%
National avg: 4.8%
CD Earnings on 10% of Salary
$103/yr
At WI 12-mo avg 2.814% APY

12.0% of residents are 65 or older, below the national average of 17.3%. At today’s WI 12-month CD average of 2.814%, saving 10% of the local median salary ($3,657/year) and putting it in a CD would earn an additional $103 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 Milwaukee, 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 Milwaukee, 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 Milwaukee, 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 Milwaukee, Wisconsin as everywhere in the U.S.

Choosing a CD Term in Milwaukee, 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 Milwaukee, Wisconsin savers easier access to their funds. For example, CIBC is offering its 6-month CD at 4.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, 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 Milwaukee, 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 Milwaukee, 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 Milwaukee, 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 Milwaukee, 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 Milwaukee, Wisconsin

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

Are CD rates in Milwaukee, Wisconsin FDIC insured?

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

Here are recent top rates found for this area:
  • Marine Credit Union: 4.66% APY (Jumbo Individual Retirement Account Certificates - 60-month)
  • Cranberry Federal Credit Union: 4.59% APY (12-Month Traditional/Roth IRA CD)
  • CIBC: 4.50% APY (12-month CD)
  • Bank Five Nine: 4.50% APY (60 Month CD)
  • Ixonia Bank: 4.50% APY (3-Year CD)
  • Northwestern Mutual Credit Union: 4.45% APY (2 Year Certificate of Deposit)
  • Landmark Credit Union WI : 4.40% APY (12 Month Certificate Account)
  • Self-Help Federal Credit Union: 4.18% APY (IRA Term Certificate - 36 Months)
  • WaterStone Bank: 4.00% APY (Fixed Rate IRA Promotional Certificates of Deposit - 12 Month)
  • CIT Bank: 4.00% APY (1-Year Term CD)
Rates reflect recent verified offers available in Milwaukee, Wisconsin. Last Updated: October 23, 2026

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

Interest at Maturity
$0
Ending Balance
$0
Matures

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

Top Milwaukee, Wisconsin CD Rates by Term

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

CD Calculators for Milwaukee, Wisconsin

Milwaukee, Wisconsin CD Calculator

At today’s WI top rate of 4.66% APY, a $10,000 deposit earns $466 in the first year. Enter your amount to see your exact return.

Milwaukee, Wisconsin CD Ladder

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

Early Withdrawal Penalty

Before locking into a Milwaukee, Wisconsin CD at 4.66% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Wisconsin’s average 12-month CD is 2.814% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Milwaukee, 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 Milwaukee, 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 Milwaukee, 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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