Racine, Wisconsin CD Rates Today - Compare Best APYs for July 2026
Brian McKay
Brian McKay
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Current Racine, Wisconsin CD rates include Landmark Credit UnionLandmark Credit Union3413 Rapids Dr, Racine, WI 53404A+5.0 ★Texas Ratio: 3.79%Real return: +1.20%APY minus CPI (February 2026) offering CD - 18 months at 4.00% APY, Johnson BankJohnson Bank555 Main St, Racine, WI 53403A+5.0 ★Texas Ratio: 2.08%Real return: +0.31%APY minus CPI (February 2026) offering Certificate of Deposit Accounts (CD) - 6 months at 3.11% APY, Educators Credit UnionEducators Credit Union3525 Rapids Dr, Racine, WI 53404 1634A+5.0 ★Texas Ratio: 4.41%Real return: +0.20%APY minus CPI (February 2026) offering Share Certificates (Regular & IRA Accounts) - 5 Years at 3.00% APY, Tri City National BankTri City National Bank2704 Lathrop Ave, Racine, WI 53405A+5.0 ★Texas Ratio: 5.48%Real return: +0.10%APY minus CPI (February 2026) offering Certificate - 6 Months at 2.90% APY, and MCU Financial Center Credit UnionMCU Financial Center Credit Union1907 Lathrop Ave, Racine, WI 53405A+5.0 ★Texas Ratio: 5.11%Real return: -0.05%APY minus CPI (February 2026) offering IRA/Share Certificates 60 Months at 2.75% APY. CD rates as of July 27, 2026 according to verified data from MonitorBankRates.
Racine has 79 local institutions in our database, with CD rates as high as 4.00% APY from Landmark Credit Union at 3413 Rapids Dr, Racine, WI 53404. 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 — 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: July 27, 2026
Compare Best CD Rates in Racine, Wisconsin & the Surrounding Area
Racine 3 Month CD Rates
Interest Payment Frequency: At Maturity; Compounding Method: Simple
Compounding Frequency: At Maturity
No IRA Available
Minimum to Open or Earn Dividends.
Disclosure
Opening Balance: Under $10,000; Interest Will Be Credited: At Maturity
Basic MVP** Level Dividend Rate: 0.40% | Silver MVP** Level Dividend Rate: 0.55% | Gold MVP** Level Dividend Rate: 0.75%
Racine 6 Month CD Rates
Interest Payment Frequency: At Maturity; Compounding Method: Simple
Interest Payment Frequency: At Maturity; Compounding Method: Simple
Interest Compounding: Quarterly
Interest Compounding: Quarterly
Interest Compounding: At Maturity
Interest Compounding: Simple
Compounding Frequency: At Maturity
Dividend Compounded: At Maturity; Dividend Added: At Maturity
APY shown accurate as of 7/1/26 and available for a limited time.
Minimum to Open or Earn Dividends.
Opening Balance: $10,000 or above; Interest Will Be Credited: Monthly
Opening Balance: Under $10,000; Interest Will Be Credited: At Maturity
Racine 12 Month CD Rates
Interest Payment Frequency: Annual; Compounding Method: Simple
Interest Payment Frequency: Annual; Compounding Method: Simple
Rates are for new share certificates only and require $500 minimum. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. APY = Annual Percentage Yield. Rates are effective as of 07/01/2026.
Interest Compounding: Quarterly
Interest Compounding: Quarterly
Interest Compounding: At Maturity
Interest Compounding: Quarterly
Interest Compounding: Quarterly
Featured rate
Opening Balance: $10,000 or above; Interest Will Be Credited: Monthly
APY is 4.01% for 1 Year term.
Basic MVP** Level Dividend Rate: 3.59% | Silver MVP** Level Dividend Rate: 3.74% | Gold MVP** Level Dividend Rate: 3.94%
Exclusive CD Offer; available exclusively at our Milton office.
Opening Balance: Under $10,000; Interest Will Be Credited: At Maturity
Moneywise Available
Basic MVP** Level Dividend Rate: 3.59% | Silver MVP** Level Dividend Rate: 3.74% | Gold MVP** Level Dividend Rate: 3.94%
Racine 18 Month CD Rates
Interest Payment Frequency: Annual; Compounding Method: Simple
Rates are for new share certificates only and require $500 minimum. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. APY = Annual Percentage Yield. Rates are effective as of 07/01/2026.
Interest Compounding: Quarterly
Interest Compounding: Quarterly
Interest Compounding: Annually
Interest Will Be Credited: Quarterly
Basic MVP** Level Dividend Rate: 4.14% | Silver MVP** Level Dividend Rate: 4.14% | Gold MVP** Level Dividend Rate: 4.14%
No longer available for new accounts; Interest Will Be Credited: Quarterly
Basic MVP** Level Dividend Rate: 3.05% | Silver MVP** Level Dividend Rate: 3.20% | Gold MVP** Level Dividend Rate: 3.40%
Certificates of Deposit (effective 8-28-24)
Basic MVP** Level Dividend Rate: 3.05% | Silver MVP** Level Dividend Rate: 3.20% | Gold MVP** Level Dividend Rate: 3.40%
Minimum to Open or Earn Dividends.
Racine 24 Month CD Rates
Interest Payment Frequency: Annual; Compounding Method: Simple
Interest Payment Frequency: Annual; Compounding Method: Simple
Rates are for new share certificates only and require $500 minimum. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. APY = Annual Percentage Yield. Rates are effective as of 07/01/2026.
Interest Compounding: Quarterly
Interest Compounding: Quarterly
Interest Compounding: Annually
Interest Compounding: Quarterly
Opening Balance: $10,000 or above; Interest Will Be Credited: Monthly
Opening Balance: Under $10,000; Interest Will Be Credited: Annually
Renews to 30 mo
Basic MVP** Level Dividend Rate: 3.35% | Silver MVP** Level Dividend Rate: 3.50% | Gold MVP** Level Dividend Rate: 3.70%
Certificates of Deposit (effective 8-28-24)
Basic MVP** Level Dividend Rate: 3.35% | Silver MVP** Level Dividend Rate: 3.50% | Gold MVP** Level Dividend Rate: 3.70%
Racine 36 Month CD Rates
Rates are for new share certificates only and require $500 minimum. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. APY = Annual Percentage Yield. Rates are effective as of 07/01/2026.
Interest Payment Frequency: Annual; Compounding Method: Simple
Interest Payment Frequency: Annual; Compounding Method: Simple
Interest Compounding: Quarterly
Interest Compounding: Quarterly
Interest Compounding: Annually
Interest Compounding: Quarterly
FOR AGES 13-15 YEARS OLD. Minimum deposit of $500, Maximum $10,000. Annual Percentage Yield is based on assumption that dividends will remain in account until maturity. A penalty may be imposed for withdrawals before maturity. Contact 1st CCU for full details, qualifications, restrictions, funds availability, terms and conditions. Youth members may have one of each Youth Certificate type. Teen members may have one Teen Certificate and one of each Youth Certificate type. Certificates are subject to age restrictions. Cannot be opened as UTMA account. Certificate must be in the minor's name. Membership eligibility required. Anyone who lives or works in La Crosse, Monroe, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Federally insured by NCUA.
Opening Balance: $10,000 or above; Interest Will Be Credited: Monthly
Opening Balance: Under $10,000; Interest Will Be Credited: Annually
Racine 48 Month CD Rates
Rates are for new share certificates only and require $500 minimum. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. APY = Annual Percentage Yield. Rates are effective as of 07/01/2026.
Interest Payment Frequency: Annual; Compounding Method: Simple
Interest Payment Frequency: Annual; Compounding Method: Simple
Interest Compounding: Quarterly
Interest Compounding: Quarterly
Interest Compounding: Annually
Interest Compounding: Quarterly
Racine 60 Month CD Rates
Rates are for new share certificates only and require $500 minimum. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. APY = Annual Percentage Yield. Rates are effective as of 07/01/2026.
Interest Payment Frequency: Annual; Compounding Method: Simple
Interest Payment Frequency: Annual; Compounding Method: Simple
Interest Compounding: Quarterly
Interest Compounding: Quarterly
Interest Compounding: Annually
Interest Compounding: Quarterly
FOR AGES 0-12 YEARS OLD. Minimum deposit of $500, Maximum $10,000. Annual Percentage Yield is based on assumption that dividends will remain in account until maturity. A penalty may be imposed for withdrawals before maturity. Contact 1st CCU for full details, qualifications, restrictions, funds availability, terms and conditions. Youth members may have one of each Youth Certificate type. Teen members may have one Teen Certificate and one of each Youth Certificate type. Certificates are subject to age restrictions. Cannot be opened as UTMA account. Certificate must be in the minor's name. Membership eligibility required. Anyone who lives or works in La Crosse, Monroe, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Federally insured by NCUA.
Opening Balance: $10,000 or above; Interest Will Be Credited: Monthly
Opening Balance: Under $10,000; Interest Will Be Credited: Annually
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Racine, WI CD Rate Trends
Compare local Racine, 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.
Wisconsin 12-month CD rates rose 0.087 points over the past 7 days to 2.617% APY.
Wisconsin 6-month CD rates rose 0.187 points over the past 7 days to 2.240% APY.
WI CD Rate Forecast — Next 12 Months
Where are Wisconsin CD rates headed through July 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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 | 1.635% | $81.73 | $163.45 | $408.63 | $817.25 |
| 6-Month CD | 2.240% | $111.99 | $223.98 | $559.95 | $1,119.90 |
| 12-Month CD | 2.617% | $130.83 | $261.65 | $654.13 | $1,308.25 |
| 18-Month CD | 2.705% | $135.24 | $270.47 | $676.18 | $1,352.35 |
| 24-Month CD | 2.567% | $128.36 | $256.71 | $641.78 | $1,283.55 |
| 36-Month CD | 2.582% | $129.09 | $258.18 | $645.45 | $1,290.90 |
| 48-Month CD | 2.496% | $124.80 | $249.59 | $623.98 | $1,247.95 |
| 60-Month CD | 2.701% | $135.04 | $270.08 | $675.20 | $1,350.40 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of July 27, 2026. | |||||
Sample CD Ladder for Racine, Wisconsin Savers
$25,000 split equally across 5 terms using today’s Wisconsin average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | WI Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.635% | $81.73 |
| 2 | 6-Month CD | $5,000 | 2.240% | $111.99 |
| 3 | 12-Month CD | $5,000 | 2.617% | $130.83 |
| 4 | 24-Month CD | $5,000 | 2.567% | $128.36 |
| 5 | 36-Month CD | $5,000 | 2.582% | $129.09 |
| Total ($25,000 invested) | $25,000 | 2.328% blended | $582.00/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.
Tracked in Racine, Wisconsin
About Our Racine, Wisconsin CD Rate Database
MonitorBankRates tracks 1,142 CD rates from 63 banks and 54 credit unions with locations in Racine, Wisconsin, plus national online institutions available to Wisconsin residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Landmark Credit Union offers a CD at 4.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Racine, Wisconsin.
How to Find the Best CD Rates in Racine, Wisconsin
What to compare when shopping for a CD in Racine, Wisconsin
To find the best APYs in Racine, Wisconsin, start with credit unions and online-only banks — Racine, Wisconsin has 54 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 Racine, 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 Racine, Wisconsin — 117 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Racine, Wisconsin savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Racine, Wisconsin money market rates
Racine, Wisconsin Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
13.9% of residents are 65 or older — below the national average of 17.3%. At today’s WI 12-month CD average of 2.617%, saving 10% of the local median salary ($3,660/year) and putting it in a CD would earn an additional $96 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 Racine, Wisconsin
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Racine, 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 Racine, 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 Racine, Wisconsin as everywhere in the U.S.
Choosing a CD Term in Racine, 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 Racine, Wisconsin savers easier access to their funds. For example, Johnson Bank is offering its Certificate of Deposit Accounts (CD) - 6 months at 3.11% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Landmark Credit Union is offering its CD - 60 months at 4.00% 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 Racine, 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 Racine, 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 Racine, 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 Racine, 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 Racine, Wisconsin
Most CDs carry a fixed rate that is locked for the entire term, protecting a Racine, 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 Racine, Wisconsin
Are CD rates in Racine, Wisconsin FDIC insured?
Do I have to pay state taxes on CD interest in Racine, Wisconsin?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Racine, Wisconsin?
- Landmark Credit Union: 4.00% APY (CD - 18 months)
- Johnson Bank: 3.11% APY (Certificate of Deposit Accounts (CD) - 6 months)
- Educators Credit Union: 3.00% APY (Share Certificates (Regular & IRA Accounts) - 5 Years)
- Tri City National Bank: 2.90% APY (Certificate - 6 Months)
- MCU Financial Center Credit Union: 2.75% APY (IRA/Share Certificates 60 Months)
- Community State Bank Union Grove, WI: 1.30% APY (60 Month)
- North Shore Bank: 0.35% APY (5-year CD)
- Gundersen Credit Union: 5.50% APY (Teenager (Age 13-17) - 12 Month Term (Deposit Certificiate))
- 1st Community Credit Union: 5.13% APY (36-MONTH TEEN CERTIFICATE SPECIAL)
- State Bank of Newburg: 4.84% APY (18 mo Variable Rate IRA 18 mo Certificate of Deposit)
CD Calculators for Racine, Wisconsin
At today’s WI top rate of 4.00% APY, a $10,000 deposit earns $400 in the first year. Enter your amount to see your exact return.
Racine, Wisconsin CD LadderWI CD rates currently range from 1.635% (3-month) to 2.582% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Racine, Wisconsin CD at 4.00% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsWisconsin’s average 12-month CD is 2.617% 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 Racine, 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 Racine, 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 Racine, 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.
