Racine, Wisconsin Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
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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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Racine, Wisconsin CD rates include Landmark Credit Union WILandmark Credit Union WI3413 Rapids Dr, Racine, WI 53404A+5.0 ★Texas Ratio: 2.82%Real return: +1.60%APY minus CPI (February 2026) offering 60-Month CD at 4.40% APY, Johnson BankJohnson Bank555 Main St, Racine, WI 53403A+5.0 ★Texas Ratio: 1.47%Real return: +0.75%APY minus CPI (February 2026) offering CD Specials - 18 months at 3.55% APY, Educators Credit UnionEducators Credit Union3525 Rapids Dr, Racine, WI 53404 1634A+5.0 ★Texas Ratio: 2.95%Real return: +0.20%APY minus CPI (February 2026) offering Share Certificates (Regular & IRA Accounts) - 5 Years at 3.00% APY, MCU Financial Center Credit UnionMCU Financial Center Credit Union1907 Lathrop Ave, Racine, WI 53405A+5.0 ★Texas Ratio: 4.52%Real return: -0.05%APY minus CPI (February 2026) offering 5 Year Certificate at 2.75% APY, and Wells FargoWells Fargo1700 Dr Martin Luther King Dr, Racine, WI 53404A5.0 ★Texas Ratio: 6.32%Real return: -1.29%APY minus CPI (February 2026) offering 1 year Standard Fixed Rate at 1.51% APY. CD rates as of September 15, 2026 according to verified data from MonitorBankRates.
Racine has 81 local institutions in our database, with CD rates as high as 4.40% APY from Landmark Credit Union WI 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, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 15, 2026
Compare Best CD Rates in Racine, Wisconsin & the Surrounding Area
Racine 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
555 Main St, Racine, WI 53403
Certificate of Deposit Accounts (CD) - 3 months
$2,000
1.56%
▼ 0.48% below national avg
▼
Rate1.55%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.48% below avg
Details
Interest Payment Frequency: At Maturity; Compounding Method: Simple
MCU Financial Center Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1907 Lathrop Ave, Racine, WI 53405
3 Month Certificate
$0
0.50%
▼ 1.54% below national avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.54% below avg
Details
MCU Financial Center Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1907 Lathrop Ave, Racine, WI 53405
IRA/Share Certificates - 3 Months
$500
0.50%
▼ 1.54% below national avg
▼
Rate0.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.54% below avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
1700 Dr Martin Luther King Dr, Racine, WI 53404
3 month Standard Fixed Rate CD
$2,500
0.06%
▼ 1.98% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.98% below avg
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
1700 Dr Martin Luther King Dr, Racine, WI 53404
3 month Standard Interest Rate
$2,500
0.06%
▼ 1.98% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.98% below avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
1700 Dr Martin Luther King Dr, Racine, WI 53404
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 1.99% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.99% below avg
Details
Relationship APY 0.06%
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
Jumbo Share or IRA Certificate - 3 Month
$0
3.90%
▲ 1.86% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.86% above avg
Details
No IRA Available
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
3 Month Certificate
$5,000
3.75%
▲ 1.71% above national avg
▼
Rate3.69%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.71% above avg
Details
Penalty for early withdrawal. Rate is accurate as today's dividend declaration.
Benton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
3 Month CD
$0
3.60%
▲ 1.56% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.56% above avg
Details
Badger Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
90 Day Certificate of Deposit (CDs)
$1,000
3.56%
▲ 1.52% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.52% above avg
Details
Badger Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
IRA Certificates - 90 Day
$1,000
3.56%
▲ 1.52% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.52% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 3 Month
$100,000
3.45%
▲ 1.41% above national avg
▼
Rate3.41%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.41% above avg
Details
Interest Credited: At Maturity
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
Share or IRA Certificate - 3 Month
$1,000
3.40%
▲ 1.36% above national avg
▼
Rate3.36%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.36% above avg
Details
No IRA Available
Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
3 Month Certificate
$0
3.19%
▲ 1.15% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.15% above avg
Details
Dividends Paid: Quarterly
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 3 Month
$25,000
3.15%
▲ 1.11% above national avg
▼
Rate3.11%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.11% above avg
Details
Interest Credited: At Maturity
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Relationship CD - 3 Month
$0
3.05%
▲ 1.01% above national avg
▼
Rate3.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.01% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 3 Month
$1,000
3.05%
▲ 1.01% above national avg
▼
Rate3.02%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.01% above avg
Details
Interest Credited: At Maturity
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
90 Day Certificate
$1,000
3.03%
▲ 0.99% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.99% above avg
Details
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
3 Month Certificate
$0
3.00%
▲ 0.96% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.96% above avg
Details
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
3 Month Certificate
$0
3.00%
▲ 0.96% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.96% above avg
Details
UnitedOne Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
3 Month Certificate
$0
3.00%
▲ 0.96% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.96% above avg
Details
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
3 MO Share Certificate
$500
2.85%
▲ 0.81% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.81% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
3 Month IRA Certificates
$0
2.85%
▲ 0.81% above national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.81% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
IRA Certificates - 3 Months
$0
2.85%
▲ 0.81% above national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.81% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
Regular - 3 Month
$0
2.85%
▲ 0.81% above national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.81% above avg
Details
West Pointe Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
Fixed Rate Certificates of Deposit - 3 Months
$1,000
2.83%
▲ 0.79% above national avg
▼
Rate2.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.79% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
3 Month IRA Certificates
$0
2.80%
▲ 0.76% above national avg
▼
Rate2.76%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.76% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
IRA Certificates - 3 Months
$0
2.80%
▲ 0.76% above national avg
▼
Rate2.76%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.76% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
Regular - 3 Month
$0
2.80%
▲ 0.76% above national avg
▼
Rate2.76%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.76% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
CD - 3 Month
$0
2.75%
▲ 0.71% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.71% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
3 Month IRA Certificates
$500
2.75%
▲ 0.71% above national avg
▼
Rate2.71%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.71% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
IRA Certificates - 3 Months
$0
2.75%
▲ 0.71% above national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.71% above avg
Details
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
Regular - 3 Month
$0
2.75%
▲ 0.71% above national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.71% above avg
Details
Wolf River Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
3-month CD
$0
2.50%
▲ 0.46% above national avg
▼
Rate2.48%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.46% above avg
Details
Athens Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
3 Month Share Certificate
$1,000
2.40%
▲ 0.36% above national avg
▼
Rate2.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.36% above avg
Details
Term: 3-Month, 6-Month, 9 Month
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
3 month CD
$2,500
2.20%
▲ 0.16% above national avg
▼
Rate2.20%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.16% above avg
Details
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
90 Day Share Certificate
$0
2.00%
▼ 0.04% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.04% below avg
Details
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Share Certificates and IRA Certificates - 90 Day
$100
2.00%
▼ 0.04% below national avg
▼
Rate2.00%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.04% below avg
Details
Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
3 Month Certificate
$1,000
2.00%
▼ 0.04% below national avg
▼
Rate1.99%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.04% below avg
Details
Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
IRA Certificate - 3-Month
$1,000
2.00%
▼ 0.04% below national avg
▼
Rate1.99%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.04% below avg
Details
Compound: Quarterly
Wisconsin Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
90 Day Share/IRA Certificate
$0
1.91%
▼ 0.13% below national avg
▼
Rate1.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.13% below avg
Details
First Citizens State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month CD
$0
1.76%
▼ 0.28% below national avg
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.28% below avg
Details
Arcadia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
Share Certificates (CDs) - 3 Months
$500
1.75%
▼ 0.29% below national avg
▼
Rate1.74%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.29% below avg
Details
Dividends Compounded: At Maturity; Dividend Added: At Maturity
Headwaters State Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.44%
3 Month CD
$1,000
1.66%
▼ 0.38% below national avg
▼
Rate1.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.38% below avg
Details
Hiawatha National Bank
Institution Rating:
D3.3 ★Texas Ratio: 35.17%
3 Month CD
$500
1.66%
▼ 0.38% below national avg
▼
Rate1.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.38% below avg
Details
Interest Compounding: Quarterly
Meadowland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.56%
3 Month Certificate
$0
1.65%
▼ 0.39% below national avg
▼
Rate1.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.39% below avg
Details
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.81%
3 Month Jumbo Certificate
$0
1.55%
▼ 0.49% below national avg
▼
Rate1.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.49% below avg
Details
National Exchange Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
3 Month CD
$1,000
1.51%
▼ 0.53% below national avg
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.53% below avg
Details
Fond Du Lac Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
90 Day Certificate
$500
1.51%
▼ 0.53% below national avg
▼
Rate1.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.53% below avg
Details
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
3 Month Certificate
$0
1.50%
▼ 0.54% below national avg
▼
Rate1.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.54% below avg
Details
Racine 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
555 Main St, Racine, WI 53403
Certificate of Deposit Accounts (CD) - 6 months
$250,000
3.52%
▲ 0.77% above national avg
▼
Rate3.49%
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.77% above avg
Details
Balance Tiers: $250,000.00 to $499,999.99; Interest Payment Frequency: At Maturity; Compounding Method: Simple
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
555 Main St, Racine, WI 53403
Individual Retirement Accounts (IRA) - 6 months
$250,000
3.52%
▲ 0.77% above national avg
▼
Rate3.49%
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.77% above avg
Details
Interest Payment Frequency: At Maturity; Compounding Method: Simple
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
555 Main St, Racine, WI 53403
Certificate of Deposit Accounts (CD) - 6 months
$2,000
3.32%
▲ 0.57% above national avg
▼
Rate3.29%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.57% above avg
Details
Balance Tiers: $2,000.00 to $99,999.99; Interest Payment Frequency: At Maturity; Compounding Method: Simple
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
555 Main St, Racine, WI 53403
Individual Retirement Accounts (IRA) - 6 months
$300
3.32%
▲ 0.57% above national avg
▼
Rate3.29%
Min Deposit$300
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.57% above avg
Details
Interest Payment Frequency: At Maturity; Compounding Method: Simple
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
555 Main St, Racine, WI 53403
IRA - 6 months
$300
3.32%
▲ 0.57% above national avg
▼
Rate3.29%
Min Deposit$300
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.57% above avg
Details
Interest Payment Frequency: At Maturity; Compounding Method: Simple
Community State Bank Union Grove, WI
Institution Rating:
B+4.1 ★Texas Ratio: 2.52%
8930 Washington Ave, Racine, WI 53406
6 Month Certificate
$0
1.00%
▼ 1.75% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▼ 1.75% below avg
Details
Interest Compounding: Quarterly
Community State Bank Union Grove, WI
Institution Rating:
B+4.1 ★Texas Ratio: 2.52%
8930 Washington Ave, Racine, WI 53406
Certificates of Deposit (6 Months)
$100,000
1.00%
▼ 1.75% below national avg
▼
Rate1.00%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▼ 1.75% below avg
Details
Interest Compounding: Quarterly
MCU Financial Center Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1907 Lathrop Ave, Racine, WI 53405
6 Month Certificate
$0
1.00%
▼ 1.75% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▼ 1.75% below avg
Details
MCU Financial Center Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1907 Lathrop Ave, Racine, WI 53405
IRA/Share Certificates - 6 Months
$500
1.00%
▼ 1.75% below national avg
▼
Rate1.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▼ 1.75% below avg
Details
Community State Bank Union Grove, WI
Institution Rating:
B+4.1 ★Texas Ratio: 2.52%
8930 Washington Ave, Racine, WI 53406
6 Month Certificate
$0
0.90%
▼ 1.85% below national avg
▼
Rate0.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▼ 1.85% below avg
Details
Interest Compounding: Quarterly
Community State Bank Union Grove, WI
Institution Rating:
B+4.1 ★Texas Ratio: 2.52%
8930 Washington Ave, Racine, WI 53406
Certificates of Deposit (6 Months)
$50,000
0.90%
▼ 1.85% below national avg
▼
Rate0.90%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▼ 1.85% below avg
Details
Interest Compounding: Quarterly
Community State Bank Union Grove, WI
Institution Rating:
B+4.1 ★Texas Ratio: 2.52%
8930 Washington Ave, Racine, WI 53406
6 Month Certificate
$0
0.80%
▼ 1.95% below national avg
▼
Rate0.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▼ 1.95% below avg
Details
Interest Compounding: At Maturity
Community State Bank Union Grove, WI
Institution Rating:
B+4.1 ★Texas Ratio: 2.52%
8930 Washington Ave, Racine, WI 53406
Certificates of Deposit (6 Months)
$500
0.80%
▼ 1.95% below national avg
▼
Rate0.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▼ 1.95% below avg
Details
Interest Compounding: At Maturity
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
1700 Dr Martin Luther King Dr, Racine, WI 53404
6 month Standard Fixed Rate
$2,500
0.06%
▼ 2.69% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▼ 2.69% below avg
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
1700 Dr Martin Luther King Dr, Racine, WI 53404
6 month Standard Interest Rate
$2,500
0.06%
▼ 2.69% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▼ 2.69% below avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
1700 Dr Martin Luther King Dr, Racine, WI 53404
6 month Standard Fixed Rate
$2,500
0.05%
▼ 2.70% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▼ 2.70% below avg
Details
Relationship APY 0.06%
Northwoods Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Youth share certificate - 6 Month
$100
5.06%
▲ 2.31% above national avg
▼
Rate5.00%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 2.31% above avg
Details
Maximum $5,000.00 (Aggregate)
Midwest Family Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.62%
LOYALTY CERTIFICATE PROMO: 6 MONTHS
$0
4.59%
▲ 1.84% above national avg
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.84% above avg
Details
Qualifications Required: Checking and Savings account; Debit card; must currently have Direct Deposit; Money must be new to MWFFCU.
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
6 MO Share Certificate
$500
4.50%
▲ 1.75% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.75% above avg
Details
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
6 Month Certificate
$0
4.25%
▲ 1.50% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.50% above avg
Details
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.35%
6 Month Certificate of Deposit (CD)
$1,000
4.18%
▲ 1.43% above national avg
▼
Rate4.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.43% above avg
Details
Forward Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
6 Month CD
$500
4.00%
▲ 1.25% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
Jumbo Share or IRA Certificate - 6 Month
$0
4.00%
▲ 1.25% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details
No IRA Available
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
6 Month Certificate
$500
4.00%
▲ 1.25% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details
Penalty for early withdrawal. Rate is accurate as today's dividend declaration.
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
6 Month Certificate
$0
4.00%
▲ 1.25% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details
R.I.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
6 Month Share Certificate
$0
3.92%
▲ 1.17% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.17% above avg
Details
Benton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
6 Month CD
$0
3.90%
▲ 1.15% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.15% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 6 Month
$100,000
3.90%
▲ 1.15% above national avg
▼
Rate3.84%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.15% above avg
Details
Interest Credited: Quarterly
Ladysmith Federal S&L
Institution Rating:
B4.6 ★Texas Ratio: 19.45%
6 Month Certificate
$1,000
3.86%
▲ 1.11% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.11% above avg
Details
PyraMax Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
6 Month Fixed Rate Special
$0
3.85%
▲ 1.10% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.10% above avg
Details
Laona State Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.67%
6 Month Certificate Special
$10,000
3.82%
▲ 1.07% above national avg
▼
Rate3.75%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.07% above avg
Details
Laona State Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.67%
6 Month Special Certificate
$10,000
3.82%
▲ 1.07% above national avg
▼
Rate3.75%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.07% above avg
Details
Compounded/Credited: Monthly
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Certificates 6 months
$1,000
3.80%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.05% above avg
Details
Gundersen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
6 Months Certificate
$1,000
3.80%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.05% above avg
Details
WCCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
6 Month Share & IRA Certificates
$10,000
3.80%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.05% above avg
Details
Badger Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
6 Month Certificate of Deposit (CDs)
$1,000
3.77%
▲ 1.02% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.02% above avg
Details
Badger Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
IRA Certificates - 6 Month
$1,000
3.77%
▲ 1.02% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.02% above avg
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
6 Month Certificate
$1,000
3.75%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
Dividends Compounded & Credited: Quarterly
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Certificates 6 months ($25,000.00)
$1,000
3.75%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Certificates 6 months ($50,000.00)
$1,000
3.75%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 6 Month
$25,000
3.70%
▲ 0.95% above national avg
▼
Rate3.65%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.95% above avg
Details
Interest Credited: Quarterly
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Certificates 6 months
$1,000
3.70%
▲ 0.95% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.95% above avg
Details
Arcadia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
6 Month Certificate - $2,000
$2,000
3.70%
▲ 0.95% above national avg
▼
Rate3.67%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.95% above avg
Details
Dividend Compounded: At Maturity; Dividend Added: At Maturity
Arcadia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
6 Month Certificate - $20,000
$20,000
3.70%
▲ 0.95% above national avg
▼
Rate3.67%
Min Deposit$20,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.95% above avg
Details
Dividend Compounded: At Maturity; Dividend Added: At Maturity
Arcadia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
Share Certificates (CDs) - 6 Months
$500
3.70%
▲ 0.95% above national avg
▼
Rate3.67%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.95% above avg
Details
Dividends Compounded: At Maturity; Dividend Added: At Maturity
WCCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
6 Month Share & IRA Certificates
$500
3.70%
▲ 0.95% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.95% above avg
Details
Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
6-MONTH CD
$500
3.70%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.95% above avg
Details
New Money Required; Offer subject to change or cancellation at any time without notice.
The Bank of Brodhead
Institution Rating:
A5.0 ★Texas Ratio: 9.85%
6 Month Certificate
$500
3.65%
▲ 0.90% above national avg
▼
Rate3.59%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.90% above avg
Details
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
CDs & Fixed Rate IRA CDs - 6 mo.
$0
3.65%
▲ 0.90% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.90% above avg
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Certificates 6 months
$1,000
3.65%
▲ 0.90% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.90% above avg
Details
Racine 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
555 Main St, Racine, WI 53403
Certificate of Deposit Accounts (CD) -1 year
$2,000
2.80%
▼ 0.12% below national avg
▼
Rate2.80%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▼ 0.12% below avg
Details
Interest Payment Frequency: Annual; Compounding Method: Simple
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
555 Main St, Racine, WI 53403
Individual Retirement Accounts (IRA) - 1 year
$300
2.80%
▼ 0.12% below national avg
▼
Rate2.80%
Min Deposit$300
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▼ 0.12% below avg
Details
Interest Payment Frequency: Annual; Compounding Method: Simple
Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
3525 Rapids Dr, Racine, WI 53404 1634
Share Certificates (Regular & IRA Accounts) - 1 Year
$500
2.25%
▼ 0.67% below national avg
▼
Rate2.23%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▼ 0.67% below avg
Details
Rates are for new share certificates only. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. Rates are effective as of 09/01/2026.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
1700 Dr Martin Luther King Dr, Racine, WI 53404
1 year Standard Fixed Rate
$2,500
1.51%
▼ 1.41% below national avg
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▼ 1.41% below avg
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
1700 Dr Martin Luther King Dr, Racine, WI 53404
1 year Standard Interest Rate
$2,500
1.51%
▼ 1.41% below national avg
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▼ 1.41% below avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
1700 Dr Martin Luther King Dr, Racine, WI 53404
1 year Standard Fixed Rate
$2,500
1.50%
▼ 1.42% below national avg
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▼ 1.42% below avg
Details
Relationship Interest Rate 1.50%; Relationship APY 1.51%
MCU Financial Center Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1907 Lathrop Ave, Racine, WI 53405
1 Year Certificate
$0
1.50%
▼ 1.42% below national avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▼ 1.42% below avg
Details
MCU Financial Center Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1907 Lathrop Ave, Racine, WI 53405
IRA/Share Certificates - 12 Months
$500
1.50%
▼ 1.42% below national avg
▼
Rate1.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▼ 1.42% below avg
Details
Community State Bank Union Grove, WI
Institution Rating:
B+4.1 ★Texas Ratio: 2.52%
8930 Washington Ave, Racine, WI 53406
12 Month CD
$0
1.00%
▼ 1.92% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▼ 1.92% below avg
Details
Interest Compounding: Quarterly
Community State Bank Union Grove, WI
Institution Rating:
B+4.1 ★Texas Ratio: 2.52%
8930 Washington Ave, Racine, WI 53406
12 Month CD
$0
0.90%
▼ 2.02% below national avg
▼
Rate0.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▼ 2.02% below avg
Details
Interest Compounding: Quarterly
Community State Bank Union Grove, WI
Institution Rating:
B+4.1 ★Texas Ratio: 2.52%
8930 Washington Ave, Racine, WI 53406
12 Month CD
$0
0.80%
▼ 2.12% below national avg
▼
Rate0.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▼ 2.12% below avg
Details
Interest Compounding: At Maturity
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
12 Month Youth Saver Certificate
$0
6.00%
▲ 3.08% above national avg
▼
Rate5.87%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 3.08% above avg
Details
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
12 Month Youth Saver Certificate - 12-month
$100
6.00%
▲ 3.08% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 3.08% above avg
Details
Youth under the age of 18 can open a 12-month Youth Saver Certificate with up to $3,000 at 6.00% APY*. Limit one Youth Saver Certificate per member under the age of 18. Maximum deposit of $3,000. Once the member turns 18, the certificate will automatically renew into a 12-month share certificate at the current rate on the date of maturity.
Gundersen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
12 Month Teenager Certificate
$100
5.50%
▲ 2.58% above national avg
▼
Rate5.39%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 2.58% above avg
Details
Age: 13-17
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
12 Months CD
$0
4.63%
▲ 1.71% above national avg
▼
Rate4.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.71% above avg
Details
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
12 Month Certificate
$0
4.50%
▲ 1.58% above national avg
▼
Rate4.43%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.58% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
12-Month CD
$100,000
4.33%
▲ 1.41% above national avg
▼
Rate4.25%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.41% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
12-Month Traditional/Roth IRA CD
$100,000
4.33%
▲ 1.41% above national avg
▼
Rate4.25%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.41% above avg
Details
River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
12-Month
$0
4.30%
▲ 1.38% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.38% above avg
Details
CD Special
FNB of Bangor
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
12 Month Certificate
$0
4.30%
▲ 1.38% above national avg
▼
Rate4.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.38% above avg
Details
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.35%
12 Month Certificate of Deposit (CD)
$1,000
4.29%
▲ 1.37% above national avg
▼
Rate4.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.37% above avg
Details
Gundersen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
12 Month Youngster Certificate
$100
4.25%
▲ 1.33% above national avg
▼
Rate4.18%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.33% above avg
Details
Age: 0-12
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
12 Months Share Certificate
$0
4.25%
▲ 1.33% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.33% above avg
Details
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Share Certificates and IRA Certificates - 12 Months
$100
4.25%
▲ 1.33% above national avg
▼
Rate4.18%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.33% above avg
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
12 Month Certificate
$500
4.25%
▲ 1.33% above national avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.33% above avg
Details
Penalty for early withdrawal. Rate is accurate as today's dividend declaration.
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
12-Month CD
$500
4.18%
▲ 1.26% above national avg
▼
Rate4.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.26% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
12-Month Traditional/Roth IRA CD
$500
4.18%
▲ 1.26% above national avg
▼
Rate4.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.26% above avg
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
12-month CD
$1,000
4.15%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.23% above avg
Details
Featured rate
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 1 Year
$100,000
4.10%
▲ 1.18% above national avg
▼
Rate4.04%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.18% above avg
Details
Interest Credited: Quarterly
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
Jumbo Share or IRA Certificate - 12 Month
$0
4.10%
▲ 1.18% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.18% above avg
Details
Laona State Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.67%
12 Month Certificate Special
$10,000
4.07%
▲ 1.15% above national avg
▼
Rate4.00%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.15% above avg
Details
Laona State Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.67%
12 Month Special Certificate
$10,000
4.07%
▲ 1.15% above national avg
▼
Rate4.00%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.15% above avg
Details
Compounded/Credited: Monthly
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
Certificate of Deposit - 1 year
$0
4.03%
▲ 1.11% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.11% above avg
Details
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
IRA Certificate - 1 year
$0
4.03%
▲ 1.11% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.11% above avg
Details
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 mo Certificate of Deposit
$500
4.02%
▲ 1.10% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.10% above avg
Details
Opening Balance: $10,000 or above; Interest Will Be Credited: Monthly
WESTconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
12 Month Share Certificate
$0
4.01%
▲ 1.09% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.09% above avg
Details
Compounded: Monthly
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
CDs & Fixed Rate IRA CDs - 12 Mo.
$0
4.00%
▲ 1.08% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Badger Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
12 Month Certificate Special
$2,500
4.00%
▲ 1.08% above national avg
▼
Rate3.92%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Badger Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
12 Month IRA Certificate Special
$2,500
4.00%
▲ 1.08% above national avg
▼
Rate3.92%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
12 Month Certificate
$0
4.00%
▲ 1.08% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Moneywise Available
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
CDs & Fixed Rate IRA CDs - 12 Mo.
$0
3.95%
▲ 1.03% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.03% above avg
Details
Ladysmith Federal S&L
Institution Rating:
B4.6 ★Texas Ratio: 19.45%
1 Year IRA Certificate
$0
3.95%
▲ 1.03% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.03% above avg
Details
Ladysmith Federal S&L
Institution Rating:
B4.6 ★Texas Ratio: 19.45%
IRA Certificates - 1 Year
$0
3.95%
▲ 1.03% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.03% above avg
Details
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 mo Certificate of Deposit
$500
3.95%
▲ 1.03% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.03% above avg
Details
Opening Balance: Under $10,000; Interest Will Be Credited: At Maturity
Evergreen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
12 Month CD Certificate
$0
3.94%
▲ 1.02% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.02% above avg
Details
Evergreen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
12 Month Certificate
$0
3.94%
▲ 1.02% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.02% above avg
Details
Evergreen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
12 Month Youth Certificates of Deposit
$25
3.94%
▲ 1.02% above national avg
▼
Rate3.90%
Min Deposit$25
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.02% above avg
Details
Dividends paid semi-annually and at maturity. Early withdrawal penalties may apply. Youth Certificates (Sapling Certificates) are available for members 17 and younger to open. Youth Certificates may deposit additional money at any time.
Evergreen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
Traditional 12 Month CD
$1,000
3.94%
▲ 1.02% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.02% above avg
Details
IRA: Traditional, Roth, & Coverdell Education
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Certificates 1 year
$1,000
3.91%
▲ 0.99% above national avg
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.99% above avg
Details
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
CDs & Fixed Rate IRA CDs - 12 Mo.
$0
3.90%
▲ 0.98% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.98% above avg
Details
Racine 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
555 Main St, Racine, WI 53403
CD Specials - 18 months
$5,000
3.55%
▲ 0.73% above national avg
▼
Rate3.54%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.73% above avg
Details
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
555 Main St, Racine, WI 53403
IRA CD Specials - 18 month
$300
3.55%
▲ 0.73% above national avg
▼
Rate3.54%
Min Deposit$300
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.73% above avg
Details
Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
3525 Rapids Dr, Racine, WI 53404 1634
Share Certificates (Regular & IRA Accounts) - 18 Months
$500
2.35%
▼ 0.47% below national avg
▼
Rate2.33%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▼ 0.47% below avg
Details
Rates are for new share certificates only. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. Rates are effective as of 09/01/2026.
Community State Bank Union Grove, WI
Institution Rating:
B+4.1 ★Texas Ratio: 2.52%
8930 Washington Ave, Racine, WI 53406
18 Month CD
$0
1.00%
▼ 1.82% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▼ 1.82% below avg
Details
Interest Compounding: Quarterly
Community State Bank Union Grove, WI
Institution Rating:
B+4.1 ★Texas Ratio: 2.52%
8930 Washington Ave, Racine, WI 53406
18 Month CD
$0
0.90%
▼ 1.92% below national avg
▼
Rate0.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▼ 1.92% below avg
Details
Interest Compounding: Quarterly
Community State Bank Union Grove, WI
Institution Rating:
B+4.1 ★Texas Ratio: 2.52%
8930 Washington Ave, Racine, WI 53406
18 Month CD
$0
0.80%
▼ 2.02% below national avg
▼
Rate0.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▼ 2.02% below avg
Details
Interest Compounding: Annually
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%
▲ 2.02% above national avg
▼
Rate4.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 2.02% above avg
Details
Interest Will Be Credited: Quarterly
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.35%
18 Month Certificate of Deposit (CD)
$1,000
4.41%
▲ 1.59% above national avg
▼
Rate4.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.59% above avg
Details
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
18 Months Share Certificate
$0
4.25%
▲ 1.43% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.43% above avg
Details
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Share Certificate Special - 18 Months
$0
4.25%
▲ 1.43% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.43% above avg
Details
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Share Certificates and IRA Certificates - 18 Months
$100
4.25%
▲ 1.43% above national avg
▼
Rate4.18%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.43% above avg
Details
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Special 18 Months
$100
4.25%
▲ 1.43% above national avg
▼
Rate4.18%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.43% above avg
Details
Cloverbelt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
18-Month Certificate
$0
4.25%
▲ 1.43% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.43% above avg
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
18 Month Certificate
$500
4.20%
▲ 1.38% above national avg
▼
Rate4.12%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.38% above avg
Details
Penalty for early withdrawal. Rate is accurate as today's dividend declaration.
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
Certificate of Deposit - 18 months
$0
4.13%
▲ 1.31% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.31% above avg
Details
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
IRA Certificate - 18 months
$0
4.13%
▲ 1.31% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.31% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Relationship CD - 18 Month
$0
4.10%
▲ 1.28% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.28% above avg
Details
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
Jumbo Share or IRA Certificate - 18 Month
$0
4.10%
▲ 1.28% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.28% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
18-Month CD
$500
4.02%
▲ 1.20% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.20% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
18-Month Traditional/Roth IRA CD
$500
4.02%
▲ 1.20% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.20% above avg
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
18-month CD
$1,000
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details
Governmental Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
IRA Certificates - CD SPECIAL 9 & 18 months
$500
4.00%
▲ 1.18% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
IRA Certificate 18 month
$0
3.95%
▲ 1.13% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.13% above avg
Details
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate
$0
3.90%
▲ 1.08% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.08% above avg
Details
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month IRA
$0
3.90%
▲ 1.08% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.08% above avg
Details
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
18 Month Certificate
$0
3.90%
▲ 1.08% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.08% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
CD - 18 Month
$0
3.80%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.98% above avg
Details
Gundersen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
18 Months Certificate
$1,000
3.80%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.98% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
18 Month Individual Retirement Account (IRA) Certificate
$0
3.77%
▲ 0.95% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.95% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
18 Month Term Certificate
$0
3.77%
▲ 0.95% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.95% above avg
Details
Wisconsin Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
18 Months Share/IRA Certificate
$0
3.70%
▲ 0.88% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.88% above avg
Details
West Pointe Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
Fixed Rate Certificates of Deposit - 18 Months
$500
3.66%
▲ 0.84% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.84% above avg
Details
Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
18-month CD Rate
$0
3.66%
▲ 0.84% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.84% above avg
Details
Wolf River Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
18-month CD
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.83% above avg
Details
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
18 Month Certificate - $1,000
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.83% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
18-month term
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.83% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
IRA CD Specials - 18-month term
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.83% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
IRA CD Specials - 18-month term - 18 months
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.83% above avg
Details
Clare Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
18 Month IRA Certificate Special
$500
3.63%
▲ 0.81% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.81% above avg
Details
Governmental Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
18 Month Certificate
$500
3.60%
▲ 0.78% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.78% above avg
Details
Governmental Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
18 Month Share Certificates
$1,000
3.60%
▲ 0.78% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.78% above avg
Details
Governmental Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
IRA Certificates - 18 months
$500
3.60%
▲ 0.78% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.78% above avg
Details
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
Share or IRA Certificate - 18 Month
$1,000
3.60%
▲ 0.78% above national avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.78% above avg
Details
Horicon Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1 1/2 Year CD (18 Month)
$0
3.58%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.76% above avg
Details
Horicon Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1 1/2 Year IRA (18 Month)
$0
3.58%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.76% above avg
Details
FNB of Bangor
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
18 Month Certificate
$0
3.55%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.73% above avg
Details
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
18 Month Certificate
$0
3.55%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.73% above avg
Details
Clare Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
18 Month IRA Certificate Special
$500
3.53%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.71% above avg
Details
Royal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
18 Month Certificate
$0
3.51%
▲ 0.69% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.69% above avg
Details
Community Bank of Cameron
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
18 Month Certificate
$0
3.50%
▲ 0.68% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.68% above avg
Details
Racine 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
555 Main St, Racine, WI 53403
Certificate of Deposit Accounts (CD) - 2 year
$2,000
2.75%
▼ 0.09% below national avg
▼
Rate2.75%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 0.09% below avg
Details
Interest Payment Frequency: Annual; Compounding Method: Simple
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
555 Main St, Racine, WI 53403
Individual Retirement Accounts (IRA) - 2 year
$300
2.75%
▼ 0.09% below national avg
▼
Rate2.75%
Min Deposit$300
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 0.09% below avg
Details
Interest Payment Frequency: Annual; Compounding Method: Simple
Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
3525 Rapids Dr, Racine, WI 53404 1634
Share Certificates (Regular & IRA Accounts) - 2 Years
$500
2.60%
▼ 0.24% below national avg
▼
Rate2.58%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 0.24% below avg
Details
Rates are for new share certificates only. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. Rates are effective as of 09/01/2026.
MCU Financial Center Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1907 Lathrop Ave, Racine, WI 53405
2 Year Certificate
$0
2.00%
▼ 0.84% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 0.84% below avg
Details
MCU Financial Center Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1907 Lathrop Ave, Racine, WI 53405
IRA/Share Certificates - 24 Months
$500
2.00%
▼ 0.84% below national avg
▼
Rate2.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 0.84% below avg
Details
Community State Bank Union Grove, WI
Institution Rating:
B+4.1 ★Texas Ratio: 2.52%
8930 Washington Ave, Racine, WI 53406
24 Month CD
$0
1.00%
▼ 1.84% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 1.84% below avg
Details
Interest Compounding: Quarterly
Community State Bank Union Grove, WI
Institution Rating:
B+4.1 ★Texas Ratio: 2.52%
8930 Washington Ave, Racine, WI 53406
24 Month CD
$0
0.90%
▼ 1.94% below national avg
▼
Rate0.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 1.94% below avg
Details
Interest Compounding: Quarterly
Community State Bank Union Grove, WI
Institution Rating:
B+4.1 ★Texas Ratio: 2.52%
8930 Washington Ave, Racine, WI 53406
24 Month CD
$0
0.80%
▼ 2.04% below national avg
▼
Rate0.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 2.04% below avg
Details
Interest Compounding: Annually
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.35%
24 Month Certificate of Deposit (CD)
$1,000
4.52%
▲ 1.68% above national avg
▼
Rate4.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.68% above avg
Details
Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 month Share Certificate SPECIAL
$0
4.25%
▲ 1.41% above national avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.41% above avg
Details
Cloverbelt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
24-Month Certificate
$0
4.25%
▲ 1.41% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.41% above avg
Details
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
Certificate of Deposit - 2 years
$0
4.24%
▲ 1.40% above national avg
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.40% above avg
Details
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
IRA Certificate - 2 years
$0
4.24%
▲ 1.40% above national avg
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.40% above avg
Details
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
Jumbo Share or IRA Certificate - 2 Year
$0
4.20%
▲ 1.36% above national avg
▼
Rate4.13%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.36% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Relationship CD - 24 Month
$0
4.15%
▲ 1.31% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.31% above avg
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
24 Month Certificate
$500
4.15%
▲ 1.31% above national avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.31% above avg
Details
Penalty for early withdrawal. Rate is accurate as today's dividend declaration.
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 mo Certificate of Deposit
$500
4.13%
▲ 1.29% above national avg
▼
Rate4.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.29% above avg
Details
Opening Balance: $10,000 or above; Interest Will Be Credited: Monthly
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 2 Year
$100,000
4.10%
▲ 1.26% above national avg
▼
Rate4.04%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.26% above avg
Details
Interest Credited: Quarterly
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
24 Months CD
$0
4.06%
▲ 1.22% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.22% above avg
Details
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 mo Certificate of Deposit
$500
4.05%
▲ 1.21% above national avg
▼
Rate4.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.21% above avg
Details
Opening Balance: Under $10,000; Interest Will Be Credited: Annually
Shoreline Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
Share Certificates and IRA Certificates - 24 month
$0
4.01%
▲ 1.17% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.17% above avg
Details
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Year Certificate
$0
4.00%
▲ 1.16% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Year IRA
$0
4.00%
▲ 1.16% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
24 Month Certificate
$0
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
24-Month CD
$50,000
3.97%
▲ 1.13% above national avg
▼
Rate3.90%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.13% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
24-Month Traditional/Roth IRA CD
$50,000
3.97%
▲ 1.13% above national avg
▼
Rate3.90%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.13% above avg
Details
F&M Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
24 Month CD
$2,500
3.93%
▲ 1.09% above national avg
▼
Rate3.80%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.09% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 2 Year
$25,000
3.90%
▲ 1.06% above national avg
▼
Rate3.84%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.06% above avg
Details
Interest Credited: Quarterly
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
CD - 24 Month
$0
3.85%
▲ 1.01% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
2 year CD
$2,500
3.85%
▲ 1.01% above national avg
▼
Rate3.85%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details
Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
2-year CD Rate
$0
3.81%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.97% above avg
Details
East Wisconsin Savings Bank
Institution Rating:
B-3.3 ★Texas Ratio: 0.83%
24 Month CD
$500
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.96% above avg
Details
Renews to 30 mo
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 2 Year
$1,000
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.96% above avg
Details
Interest Credited: Quarterly
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
24-Month CD
$500
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.96% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
24-Month Traditional/Roth IRA CD
$500
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.96% above avg
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Certificates 2 years
$1,000
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.96% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
24 Month Individual Retirement Account (IRA) Certificate
$0
3.77%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.93% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
24 Month Term Certificate
$0
3.77%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.93% above avg
Details
WESTconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
24 Month Share Certificate
$0
3.76%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.92% above avg
Details
Compounded: Monthly
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Certificates 2 years ($25,000.00)
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Certificates 2 years ($50,000.00)
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
24 Months Share Certificate
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Share Certificates and IRA Certificates - 24 Months
$100
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
24 Month Certificate
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
West Pointe Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
Fixed Rate Certificates of Deposit - 24 Months
$500
3.71%
▲ 0.87% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.87% above avg
Details
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
24 Months CD
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.86% above avg
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Certificates 2 years
$1,000
3.70%
▲ 0.86% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.86% above avg
Details
Wisconsin Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
24 Months Share/IRA Certificate
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.86% above avg
Details
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
Share or IRA Certificate - 2 Year
$1,000
3.70%
▲ 0.86% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.86% above avg
Details
Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
24-MONTH CD
$2,500
3.70%
▲ 0.86% above national avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.86% above avg
Details
New Money Required; Offer subject to change or cancellation at any time without notice.
Racine 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
555 Main St, Racine, WI 53403
Certificate of Deposit Accounts (CD) - 3 year
$2,000
2.75%
▼ 0.02% below national avg
▼
Rate2.75%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 0.02% below avg
Details
Interest Payment Frequency: Annual; Compounding Method: Simple
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
555 Main St, Racine, WI 53403
Individual Retirement Accounts (IRA) - 3 year
$300
2.75%
▼ 0.02% below national avg
▼
Rate2.75%
Min Deposit$300
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 0.02% below avg
Details
Interest Payment Frequency: Annual; Compounding Method: Simple
Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
3525 Rapids Dr, Racine, WI 53404 1634
Share Certificates (Regular & IRA Accounts) - 3 Years
$500
2.75%
▼ 0.02% below national avg
▼
Rate2.72%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 0.02% below avg
Details
Rates are for new share certificates only. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. Rates are effective as of 09/01/2026.
MCU Financial Center Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1907 Lathrop Ave, Racine, WI 53405
3 Year Certificate
$0
2.50%
▼ 0.27% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 0.27% below avg
Details
MCU Financial Center Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1907 Lathrop Ave, Racine, WI 53405
IRA/Share Certificates - 36 Months
$500
2.50%
▼ 0.27% below national avg
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 0.27% below avg
Details
Community State Bank Union Grove, WI
Institution Rating:
B+4.1 ★Texas Ratio: 2.52%
8930 Washington Ave, Racine, WI 53406
36 Month Certificate of Deposit
$100,000
1.00%
▼ 1.77% below national avg
▼
Rate1.00%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 1.77% below avg
Details
Interest Compounding: Quarterly
Community State Bank Union Grove, WI
Institution Rating:
B+4.1 ★Texas Ratio: 2.52%
8930 Washington Ave, Racine, WI 53406
Certificate of Deposit (36 - 60 Months) - 36 Month
$0
1.00%
▼ 1.77% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 1.77% below avg
Details
Interest Compounding: Quarterly
Community State Bank Union Grove, WI
Institution Rating:
B+4.1 ★Texas Ratio: 2.52%
8930 Washington Ave, Racine, WI 53406
36 Month Certificate of Deposit
$50,000
0.90%
▼ 1.87% below national avg
▼
Rate0.90%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 1.87% below avg
Details
Interest Compounding: Quarterly
Community State Bank Union Grove, WI
Institution Rating:
B+4.1 ★Texas Ratio: 2.52%
8930 Washington Ave, Racine, WI 53406
Certificate of Deposit (36 - 60 Months) - 36 Month
$0
0.90%
▼ 1.87% below national avg
▼
Rate0.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 1.87% below avg
Details
Interest Compounding: Quarterly
Community State Bank Union Grove, WI
Institution Rating:
B+4.1 ★Texas Ratio: 2.52%
8930 Washington Ave, Racine, WI 53406
36 Month Certificate of Deposit
$500
0.80%
▼ 1.97% below national avg
▼
Rate0.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 1.97% below avg
Details
Interest Compounding: Annually
Community State Bank Union Grove, WI
Institution Rating:
B+4.1 ★Texas Ratio: 2.52%
8930 Washington Ave, Racine, WI 53406
Certificate of Deposit (36 - 60 Months) - 36 Month
$0
0.80%
▼ 1.97% below national avg
▼
Rate0.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 1.97% below avg
Details
Interest Compounding: Annually
1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
36-MONTH TEEN CERTIFICATE SPECIAL
$500
5.13%
▲ 2.36% above national avg
▼
Rate5.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 2.36% above avg
Details
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.
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 mo Certificate of Deposit
$500
4.39%
▲ 1.62% above national avg
▼
Rate4.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.62% above avg
Details
Opening Balance: $10,000 or above; Interest Will Be Credited: Monthly
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 mo Certificate of Deposit
$500
4.30%
▲ 1.53% above national avg
▼
Rate4.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.53% above avg
Details
Opening Balance: Under $10,000; Interest Will Be Credited: Annually
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
Jumbo Share or IRA Certificate - 3 Year
$0
4.25%
▲ 1.48% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.48% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Relationship CD - 36 Month
$0
4.20%
▲ 1.43% above national avg
▼
Rate4.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.43% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 3 Year
$100,000
4.10%
▲ 1.33% above national avg
▼
Rate4.04%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.33% above avg
Details
Interest Credited: Quarterly
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
36 Month IRA CD
$1,000
3.94%
▲ 1.17% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.17% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 3 Year
$25,000
3.90%
▲ 1.13% above national avg
▼
Rate3.84%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.13% above avg
Details
Interest Credited: Quarterly
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
36 Month CD
$1,000
3.89%
▲ 1.12% above national avg
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.12% above avg
Details
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
36 Month HSA CD
$1,000
3.89%
▲ 1.12% above national avg
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.12% above avg
Details
Wisconsin Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
36 Months Share/IRA Certificate
$0
3.85%
▲ 1.08% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.08% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
36 Month Individual Retirement Account (IRA) Certificate
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
36 Month Term Certificate
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details
Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
3-year CD Rate
$0
3.81%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.04% above avg
Details
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
36 Months CD
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Dairy State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
36-Month Term Certificate
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 3 Year
$1,000
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Interest Credited: Quarterly
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Certificates 3 years
$1,000
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Shoreline Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
Share Certificates and IRA Certificates - 36 month
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
3 Year Certificate - $1,000
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Evergreen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
36 Month Certificate
$0
3.79%
▲ 1.02% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.02% above avg
Details
West Pointe Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
Fixed Rate Certificates of Deposit - 36 Months
$500
3.76%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.99% above avg
Details
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
3 year CD
$2,500
3.75%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
36-Month CD
$50,000
3.75%
▲ 0.98% above national avg
▼
Rate3.65%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
36-Month Traditional/Roth IRA CD
$50,000
3.75%
▲ 0.98% above national avg
▼
Rate3.65%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Certificates 3 years ($25,000.00)
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Certificates 3 years ($50,000.00)
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
PCM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
30, 36 Month Share Certificate
$500
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Shoreline Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
36 Month Bump-Up IRA Certificate
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
$5,000 new money.
Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
36 Month Certificate
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
IRA Certificate - 36-Month
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Compound: Quarterly
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
Share or IRA Certificate - 3 Year
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
36 Month Certificate
$500
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Penalty for early withdrawal. Rate is accurate as today's dividend declaration.
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
36 Month Certificate
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
CD - 36 Month
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.93% above avg
Details
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year Certificate
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.93% above avg
Details
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year IRA
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.93% above avg
Details
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
36 Months CD
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.93% above avg
Details
Dairy State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
36-Month Term Certificate
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.93% above avg
Details
Racine 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
3525 Rapids Dr, Racine, WI 53404 1634
Share Certificates (Regular & IRA Accounts) - 4 Years
$500
2.85%
▲ 0.07% above national avg
▼
Rate2.82%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.07% above avg
Details
Rates are for new share certificates only. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. Rates are effective as of 09/01/2026.
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
555 Main St, Racine, WI 53403
Certificate of Deposit Accounts (CD) - 4 year
$2,000
2.75%
▼ 0.03% below national avg
▼
Rate2.75%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▼ 0.03% below avg
Details
Interest Payment Frequency: Annual; Compounding Method: Simple
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
555 Main St, Racine, WI 53403
Individual Retirement Accounts (IRA) - 4 year
$300
2.75%
▼ 0.03% below national avg
▼
Rate2.75%
Min Deposit$300
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▼ 0.03% below avg
Details
Interest Payment Frequency: Annual; Compounding Method: Simple
MCU Financial Center Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1907 Lathrop Ave, Racine, WI 53405
4 Year Certificate
$0
2.65%
▼ 0.13% below national avg
▼
Rate2.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▼ 0.13% below avg
Details
MCU Financial Center Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1907 Lathrop Ave, Racine, WI 53405
IRA/Share Certificates - 48 Months
$500
2.65%
▼ 0.13% below national avg
▼
Rate2.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▼ 0.13% below avg
Details
Community State Bank Union Grove, WI
Institution Rating:
B+4.1 ★Texas Ratio: 2.52%
8930 Washington Ave, Racine, WI 53406
48 Month Certificate of Deposit
$100,000
1.30%
▼ 1.48% below national avg
▼
Rate1.30%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▼ 1.48% below avg
Details
Interest Compounding: Quarterly
Community State Bank Union Grove, WI
Institution Rating:
B+4.1 ★Texas Ratio: 2.52%
8930 Washington Ave, Racine, WI 53406
Certificate of Deposit (36 - 60 Months) - 48 Month
$0
1.30%
▼ 1.48% below national avg
▼
Rate1.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▼ 1.48% below avg
Details
Interest Compounding: Quarterly
Community State Bank Union Grove, WI
Institution Rating:
B+4.1 ★Texas Ratio: 2.52%
8930 Washington Ave, Racine, WI 53406
48 Month Certificate of Deposit
$50,000
1.20%
▼ 1.58% below national avg
▼
Rate1.20%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▼ 1.58% below avg
Details
Interest Compounding: Quarterly
Community State Bank Union Grove, WI
Institution Rating:
B+4.1 ★Texas Ratio: 2.52%
8930 Washington Ave, Racine, WI 53406
Certificate of Deposit (36 - 60 Months) - 48 Month
$0
1.20%
▼ 1.58% below national avg
▼
Rate1.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▼ 1.58% below avg
Details
Interest Compounding: Quarterly
Community State Bank Union Grove, WI
Institution Rating:
B+4.1 ★Texas Ratio: 2.52%
8930 Washington Ave, Racine, WI 53406
48 Month Certificate of Deposit
$500
0.90%
▼ 1.88% below national avg
▼
Rate0.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▼ 1.88% below avg
Details
Interest Compounding: Annually
Community State Bank Union Grove, WI
Institution Rating:
B+4.1 ★Texas Ratio: 2.52%
8930 Washington Ave, Racine, WI 53406
Certificate of Deposit (36 - 60 Months) - 48 Month
$0
0.90%
▼ 1.88% below national avg
▼
Rate0.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▼ 1.88% below avg
Details
Interest Compounding: Annually
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
48 Month Term Certificate
$0
5.00%
▲ 2.22% above national avg
▼
Rate5.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 2.22% above avg
Details
Penalty for early withdrawal: Terms less than 12 months - 90 days dividends; 12 to less than 24 months - 180 days dividends; 24 to less than 48 months - 360 days dividends; 48 months or greater - 540 days dividends.
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
ROTH IRA Term Certificate 48 Month
$0
5.00%
▲ 2.22% above national avg
▼
Rate5.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 2.22% above avg
Details
Penalty for early withdrawal: Terms less than 12 months - 90 days dividends; 12 to less than 24 months - 180 days dividends; 24 to less than 48 months - 360 days dividends; 48 months or greater - 540 days dividends.
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
Traditional IRA Term Certificate 48 Month
$0
5.00%
▲ 2.22% above national avg
▼
Rate5.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 2.22% above avg
Details
Penalty for early withdrawal: Terms less than 12 months - 90 days dividends; 12 to less than 24 months - 180 days dividends; 24 to less than 48 months - 360 days dividends; 48 months or greater - 540 days dividends.
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
Jumbo Share or IRA Certificate - 4 Year
$0
4.30%
▲ 1.52% above national avg
▼
Rate4.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.52% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Relationship CD - 48 Month
$0
4.25%
▲ 1.47% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.47% above avg
Details
Marshfield Medical Center Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
48 Month Certificate
$0
4.24%
▲ 1.46% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.46% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 4 Year
$100,000
4.15%
▲ 1.37% above national avg
▼
Rate4.09%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.37% above avg
Details
Interest Credited: Quarterly
Brewery Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.13%
48-Month CD
$0
4.00%
▲ 1.22% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.22% above avg
Details
Early withdrawal penalties may apply to CD's.
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
48 Month IRA CD
$1,000
3.99%
▲ 1.21% above national avg
▼
Rate3.95%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.21% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 4 Year
$25,000
3.95%
▲ 1.17% above national avg
▼
Rate3.89%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.17% above avg
Details
Interest Credited: Quarterly
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
48 Month CD
$1,000
3.94%
▲ 1.16% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.16% above avg
Details
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
48 Month HSA CD
$1,000
3.94%
▲ 1.16% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.16% above avg
Details
Wisconsin Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
48 Months Share/IRA Certificate
$0
3.90%
▲ 1.12% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.12% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 4 Year
$1,000
3.85%
▲ 1.07% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.07% above avg
Details
Interest Credited: Quarterly
Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
48 Month Certificate
$1,000
3.85%
▲ 1.07% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.07% above avg
Details
Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
IRA Certificate - 48-Month
$1,000
3.85%
▲ 1.07% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.07% above avg
Details
Compound: Quarterly
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
48 Month Individual Retirement Account (IRA) Certificate
$0
3.82%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.04% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
48 Month Term Certificate
$0
3.82%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.04% above avg
Details
PCM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
48 Month Share Certificate
$500
3.80%
▲ 1.02% above national avg
▼
Rate3.74%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.02% above avg
Details
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
Share or IRA Certificate - 4 Year
$1,000
3.80%
▲ 1.02% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.02% above avg
Details
West Pointe Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
Fixed Rate Certificates of Deposit - 48 Months
$500
3.76%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.98% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
48-Month CD
$50,000
3.76%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.98% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
48-Month Traditional/Roth IRA CD
$50,000
3.76%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.98% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
CD - 48 Month
$0
3.75%
▲ 0.97% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4 Year Certificate
$0
3.75%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4 Year IRA
$0
3.75%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Certificates 4 years
$1,000
3.75%
▲ 0.97% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
48 Month Certificate
$0
3.75%
▲ 0.97% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
48 Month Certificate
$0
3.75%
▲ 0.97% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details
Sentry Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
4 Year Certificate
$0
3.70%
▲ 0.92% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.92% above avg
Details
Dividend Paid: Quarterly
Sentry Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
4 Year Term Share Certificate
$0
3.70%
▲ 0.92% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.92% above avg
Details
Dividend Paid: Quarterly
Sentry Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
Term Share Certificate 4 Years
$0
3.70%
▲ 0.92% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.92% above avg
Details
Dividend Paid: Quarterly
Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
48 Month Certificate
$0
3.70%
▲ 0.92% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.92% above avg
Details
Dividends Paid: Quarterly
Wolf River Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
48-month CD
$0
3.65%
▲ 0.87% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.87% above avg
Details
Shoreline Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
Share Certificates and IRA Certificates - 48 month
$0
3.65%
▲ 0.87% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.87% above avg
Details
Prospera Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
4 Year Certificate
$0
3.65%
▲ 0.87% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.87% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
48-Month CD
$500
3.61%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.83% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
48-Month Traditional/Roth IRA CD
$500
3.61%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.83% above avg
Details
Central Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
4 Year CD
$40,000
3.61%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$40,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.83% above avg
Details
Racine 60 Month CD Rates
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: 2.82%
3413 Rapids Dr, Racine, WI 53404
60-Month CD
$0
4.40%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.86%▲ 1.54% above avg
Details
Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
3525 Rapids Dr, Racine, WI 53404 1634
Share Certificates (Regular & IRA Accounts) - 5 Years
$500
3.00%
▲ 0.14% above national avg
▼
Rate2.97%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.14% above avg
Details
Rates are for new share certificates only. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. Rates are effective as of 09/01/2026.
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
555 Main St, Racine, WI 53403
Certificate of Deposit Accounts (CD) - 5 Year
$2,000
2.80%
▼ 0.06% below national avg
▼
Rate2.80%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▼ 0.06% below avg
Details
Interest Payment Frequency: Annual; Compounding Method: Simple
Johnson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
555 Main St, Racine, WI 53403
Individual Retirement Accounts (IRA) - 5 year
$300
2.80%
▼ 0.06% below national avg
▼
Rate2.80%
Min Deposit$300
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▼ 0.06% below avg
Details
Interest Payment Frequency: Annual; Compounding Method: Simple
MCU Financial Center Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1907 Lathrop Ave, Racine, WI 53405
5 Year Certificate
$0
2.75%
▼ 0.11% below national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▼ 0.11% below avg
Details
MCU Financial Center Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1907 Lathrop Ave, Racine, WI 53405
IRA/Share Certificates - 60 Months
$500
2.75%
▼ 0.11% below national avg
▼
Rate2.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▼ 0.11% below avg
Details
Community State Bank Union Grove, WI
Institution Rating:
B+4.1 ★Texas Ratio: 2.52%
8930 Washington Ave, Racine, WI 53406
60 Month Certificate of Deposit
$100,000
1.30%
▼ 1.56% below national avg
▼
Rate1.30%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▼ 1.56% below avg
Details
Interest Compounding: Quarterly
Community State Bank Union Grove, WI
Institution Rating:
B+4.1 ★Texas Ratio: 2.52%
8930 Washington Ave, Racine, WI 53406
Certificate of Deposit (36 - 60 Months) - 60 Month
$0
1.30%
▼ 1.56% below national avg
▼
Rate1.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▼ 1.56% below avg
Details
Interest Compounding: Quarterly
Community State Bank Union Grove, WI
Institution Rating:
B+4.1 ★Texas Ratio: 2.52%
8930 Washington Ave, Racine, WI 53406
60 Month Certificate of Deposit
$50,000
1.20%
▼ 1.66% below national avg
▼
Rate1.20%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▼ 1.66% below avg
Details
Interest Compounding: Quarterly
Community State Bank Union Grove, WI
Institution Rating:
B+4.1 ★Texas Ratio: 2.52%
8930 Washington Ave, Racine, WI 53406
Certificate of Deposit (36 - 60 Months) - 60 Month
$0
1.20%
▼ 1.66% below national avg
▼
Rate1.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▼ 1.66% below avg
Details
Interest Compounding: Quarterly
Community State Bank Union Grove, WI
Institution Rating:
B+4.1 ★Texas Ratio: 2.52%
8930 Washington Ave, Racine, WI 53406
60 Month Certificate of Deposit
$500
0.90%
▼ 1.96% below national avg
▼
Rate0.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▼ 1.96% below avg
Details
Interest Compounding: Annually
Community State Bank Union Grove, WI
Institution Rating:
B+4.1 ★Texas Ratio: 2.52%
8930 Washington Ave, Racine, WI 53406
Certificate of Deposit (36 - 60 Months) - 60 Month
$0
0.90%
▼ 1.96% below national avg
▼
Rate0.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▼ 1.96% below avg
Details
Interest Compounding: Annually
1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
60-MONTH YOUTH CERTIFICATE SPECIAL
$500
4.60%
▲ 1.74% above national avg
▼
Rate4.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.74% above avg
Details
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.
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 mo Certificate of Deposit
$500
4.54%
▲ 1.68% above national avg
▼
Rate4.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.68% above avg
Details
Opening Balance: $10,000 or above; Interest Will Be Credited: Monthly
Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
60 Month Certificate
$0
4.47%
▲ 1.61% above national avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.61% above avg
Details
Dividends Paid: Quarterly
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 mo Certificate of Deposit
$500
4.45%
▲ 1.59% above national avg
▼
Rate4.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.59% above avg
Details
Opening Balance: Under $10,000; Interest Will Be Credited: Annually
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
Jumbo Share or IRA Certificate - 5 Year
$0
4.40%
▲ 1.54% above national avg
▼
Rate4.33%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.54% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Relationship CD - 60 Month
$0
4.35%
▲ 1.49% above national avg
▼
Rate4.28%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.49% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 5 Year
$100,000
4.25%
▲ 1.39% above national avg
▼
Rate4.18%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.39% above avg
Details
Interest Credited: Quarterly
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
60 Month IRA CD
$1,000
4.09%
▲ 1.23% above national avg
▼
Rate4.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.23% above avg
Details
Wisconsin Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
60 Months Share/IRA Certificate
$0
4.06%
▲ 1.20% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.20% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 5 Year
$25,000
4.05%
▲ 1.19% above national avg
▼
Rate3.99%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.19% above avg
Details
Interest Credited: Quarterly
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
60 Month CD
$1,000
4.04%
▲ 1.18% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.18% above avg
Details
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
60 Month HSA CD
$1,000
4.04%
▲ 1.18% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.18% above avg
Details
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
5 Year Certificate - $1,000
$0
4.00%
▲ 1.14% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.14% above avg
Details
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 5 Year
$1,000
3.95%
▲ 1.09% above national avg
▼
Rate3.89%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.09% above avg
Details
Interest Credited: Quarterly
Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
60 Month Certificate
$1,000
3.95%
▲ 1.09% above national avg
▼
Rate3.89%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.09% above avg
Details
Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
IRA Certificate - 60-Month
$1,000
3.95%
▲ 1.09% above national avg
▼
Rate3.89%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.09% above avg
Details
Compound: Quarterly
PCM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
60 Month Share Certificate
$500
3.90%
▲ 1.04% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.04% above avg
Details
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
Share or IRA Certificate - 5 Year
$1,000
3.90%
▲ 1.04% above national avg
▼
Rate3.84%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.04% above avg
Details
West Pointe Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
Fixed Rate Certificates of Deposit - 60 Months
$500
3.87%
▲ 1.01% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.01% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
CD - 60 Month
$0
3.85%
▲ 0.99% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.99% above avg
Details
Shoreline Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
Share Certificates and IRA Certificates - 60 month
$0
3.85%
▲ 0.99% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.99% above avg
Details
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
60 Month Certificate
$0
3.85%
▲ 0.99% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.99% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
60 Month Individual Retirement Account (IRA) Certificate
$0
3.82%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.96% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
60 Month Term Certificate
$0
3.82%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.96% above avg
Details
Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
5-year CD Rate
$0
3.81%
▲ 0.95% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.95% above avg
Details
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year Certificate
$0
3.80%
▲ 0.94% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.94% above avg
Details
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year IRA
$0
3.80%
▲ 0.94% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.94% above avg
Details
Sentry Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
5 Year Certificate
$0
3.80%
▲ 0.94% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.94% above avg
Details
Dividend Paid: Quarterly
Sentry Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
5 Year Term Share Certificate
$0
3.80%
▲ 0.94% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.94% above avg
Details
Dividend Paid: Quarterly
Sentry Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
Term Share Certificate 5 Years
$0
3.80%
▲ 0.94% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.94% above avg
Details
Dividend Paid: Quarterly
Prospera Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
5 Year Certificate
$0
3.80%
▲ 0.94% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.94% above avg
Details
Evergreen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
60 Month Certificate
$0
3.79%
▲ 0.93% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.93% above avg
Details
Plymouth County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
60-Month Traditional/Roth IRA CD
$50,000
3.76%
▲ 0.90% above national avg
▼
Rate3.70%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.90% above avg
Details
Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
CDs & Fixed Rate IRA CDs - 60 Mo.
$0
3.75%
▲ 0.89% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.89% above avg
Details
Southern Lakes Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
60 Month Certificate
$0
3.75%
▲ 0.89% above national avg
▼
Rate3.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.89% above avg
Details
Southern Lakes Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
Traditional IRA/Roth IRA Term Share Certificates - 60 Months
$0
3.75%
▲ 0.89% above national avg
▼
Rate3.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.89% above avg
Details
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
60 Month Certificate
$0
3.75%
▲ 0.89% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.89% above avg
Details
Central Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
5 Year CD
$40,000
3.71%
▲ 0.85% above national avg
▼
Rate3.65%
Min Deposit$40,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.85% above avg
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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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.
12-Month CD WI Avg
2.921%
▲ 0.081 vs 7 days ago
Wisconsin 12-month CD rates rose 0.081 points over the past 7 days to 2.921% APY.
6-Month CD WI Avg
2.746%
▲ 0.076 vs 7 days ago
Wisconsin 6-month CD rates rose 0.076 points over the past 7 days to 2.746% APY.
As of Sep 16, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
WI CD Rate Forecast, Next 12 Months
Where are Wisconsin CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
WI 12-Month Avg APY
2.921%
6-Month Forecast
2.921%
Range: 2.72% – 3.07%
12-Month Forecast
3.171%
Range: 2.97% – 3.32%
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MonitorBankRates
What Your Savings Earn at WI CD Rates Today
Annual interest earnings at today’s Wisconsin average APYs. State average used where available; national average as fallback.
| CD Term | WI Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.043% | $102.14 | $204.28 | $510.70 | $1,021.40 |
| 6-Month CD | 2.746% | $137.27 | $274.55 | $686.37 | $1,372.75 |
| 12-Month CD | 2.921% | $146.06 | $292.11 | $730.28 | $1,460.55 |
| 18-Month CD | 2.824% | $141.19 | $282.38 | $705.95 | $1,411.90 |
| 24-Month CD | 2.843% | $142.16 | $284.32 | $710.80 | $1,421.60 |
| 36-Month CD | 2.765% | $138.26 | $276.52 | $691.30 | $1,382.60 |
| 48-Month CD | 2.778% | $138.91 | $277.82 | $694.55 | $1,389.10 |
| 60-Month CD | 2.858% | $142.91 | $285.81 | $714.53 | $1,429.05 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 15, 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 | 2.043% | $102.14 |
| 2 | 6-Month CD | $5,000 | 2.746% | $137.27 |
| 3 | 12-Month CD | $5,000 | 2.921% | $146.06 |
| 4 | 24-Month CD | $5,000 | 2.843% | $142.16 |
| 5 | 36-Month CD | $5,000 | 2.765% | $138.26 |
| Total ($25,000 invested) | $25,000 | 2.664% blended | $665.89/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.
1,650
CD Rates
Tracked in Racine, Wisconsin
Tracked in Racine, Wisconsin
42 Banks
69 Credit Unions
About Our Racine, Wisconsin CD Rate Database
MonitorBankRates tracks 1,650 CD rates from 42 banks and 69 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 WI offers a CD at 4.40% 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 69 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: 111 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Racine, Wisconsin savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Racine, Wisconsin money market rates
Racine, Wisconsin Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
13.9%
National avg: 17.3%
Median Individual Earnings
$36,608
National avg: $47,340
Poverty Rate
18.2%
National avg: 11.1%
Unemployment Rate
6.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$107/yr
At WI 12-mo avg 2.921% APY
13.9% of residents are 65 or older, below the national average of 17.3%. At today’s WI 12-month CD average of 2.921%, saving 10% of the local median salary ($3,660/year) and putting it in a CD would earn an additional $107 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 3.52% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Landmark Credit Union WI is offering its 60-Month CD at 4.40% 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?
Yes, most established banks in Racine, 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 Racine, 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 Racine, 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 Racine, 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 Racine, Wisconsin?
Here are recent top rates found for this area:
- Landmark Credit Union WI : 4.40% APY (60-Month CD)
- Johnson Bank: 3.55% APY (CD Specials - 18 months)
- Educators Credit Union: 3.00% APY (Share Certificates (Regular & IRA Accounts) - 5 Years)
- MCU Financial Center Credit Union: 2.75% APY (5 Year Certificate)
- Wells Fargo: 1.51% APY (1 year Standard Fixed Rate)
- Community State Bank Union Grove, WI: 1.30% APY (48 Month Certificate of Deposit)
- CO-OP Credit Union: 6.00% APY (12 Month Youth Saver Certificate)
- Gundersen Credit Union: 5.50% APY (12 Month Teenager Certificate)
- 1st Community Credit Union: 5.13% APY (36-MONTH TEEN CERTIFICATE SPECIAL)
- Northwoods Community Credit Union: 5.06% APY (Youth share certificate - 6 Month)
Rates reflect recent verified offers available in Racine, Wisconsin. Last Updated: September 15, 2026
Racine, 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 Racine, Wisconsin rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
—
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Racine, Wisconsin
Racine, Wisconsin CD Calculator
At today’s WI top rate of 4.40% APY, a $10,000 deposit earns $440 in the first year. Enter your amount to see your exact return.
Racine, Wisconsin CD LadderWI CD rates currently range from 2.043% (3-month) to 2.765% (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 4.40% 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 2.921% 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.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: September 15, 2026
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