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CD Rate Trends

Stevens Point, Wisconsin Best CD Rates October 2026

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Brian McKay Brian McKay
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 14, 2026

Stevens Point, Wisconsin CD rates range from 0.05% to 6.00% APY, verified by MonitorBankRates as of October 14, 2026. Current Stevens Point, Wisconsin CD rates include Nicolet BankNicolet Bank5517 Vern Holmes Dr, Stevens Point, WI 54482A+5.0 ★Texas Ratio: 2.28%Real return: +1.95%APY minus CPI (February 2026) offering Relationship CD - 60 Month at 4.75% APY, Sentry Credit UnionSentry Credit Union1800 N Point Dr, Stevens Point, WI 54481 1253A+5.0 ★Texas Ratio: 2.19%Real return: +1.00%APY minus CPI (February 2026) offering 5 Year Term Share Certificate at 3.80% APY, Simplicity Credit UnionSimplicity Credit Union3101 Hoover Rd, Stevens Point, WI 54481A5.0 ★Texas Ratio: 9.92%Real return: +0.95%APY minus CPI (February 2026) offering 12-Month HSA Share Certificate at 3.75% APY, Central Wisconsin Credit UnionCentral Wisconsin Credit Union2201 Division St, Stevens Point, WI 54481 3662A+5.0 ★Texas Ratio: 3.68%Real return: +0.91%APY minus CPI (February 2026) offering 5 Year Share Certificate at 3.71% APY, and University of Wisconsin Credit UnionUniversity of Wisconsin Credit Union809 Division St, Stevens Point, WI 54481A+5.0 ★Texas Ratio: 3.38%Real return: +0.55%APY minus CPI (February 2026) offering 12 Month IRA Certificates at 3.35% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.

Stevens Point has 191 local institutions in our database, with CD rates as high as 4.75% APY from Nicolet Bank at 5517 Vern Holmes Dr, Stevens Point, WI 54482. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Wisconsin area. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 14, 2026

Compare Best CD Rates in Stevens Point, Wisconsin & the Surrounding Area

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

Stevens Point 3 Month CD Rates

Wisconsin 3 Month CD Average1.54% APYNational 2.09%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
5517 Vern Holmes Dr, Stevens Point, WI 54482
Relationship CD - 3 Month
$0
3.05% ▲ 1.51% above Wisconsin avg
View
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average1.54%▲ 1.51% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 7 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
3 Month IRA Certificates
$0
2.85% ▲ 1.31% above Wisconsin avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▲ 1.31% above avgNationally 2.09%
Details

Individual Retirement Account (IRA) with $250,000 minimum

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 7 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
3 Month Regular Certificate
$0
2.85% ▲ 1.31% above Wisconsin avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▲ 1.31% above avgNationally 2.09%
Details

Certificates with $250,000 Minimum

Rate History
No change since Oct 13, 2026 · 2.85% APY
2.35%2.85%3.35%Oct 13, 2026: 2.85% APYOct 13, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
IRA Certificates - 3 Months
$0
2.85% ▲ 1.31% above Wisconsin avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▲ 1.31% above avgNationally 2.09%
Details

Individual Retirement Account (IRAs) With $250,000 Minimum

Rate History
No change since Oct 13, 2026 · 2.85% APY
2.35%2.85%3.35%Oct 13, 2026: 2.85% APYOct 13, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
3 Month Certificates - Regular
$0
2.80% ▲ 1.26% above Wisconsin avg
View
▼
Rate2.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▲ 1.26% above avgNationally 2.09%
Details

Certificates with $10,000 Minimum; Open Account

Rate History
No change since Oct 13, 2026 · 2.80% APY
2.30%2.80%3.30%Oct 13, 2026: 2.80% APYOct 13, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
3 Month IRA Certificates
$0
2.80% ▲ 1.26% above Wisconsin avg
View
▼
Rate2.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▲ 1.26% above avgNationally 2.09%
Details

Individual Retirement Account (IRA) with $10,000 minimum; Contact Us to Apply

Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 3 times
2.30%2.80%3.30%Sep 14, 2026: 2.80% APYSep 14, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
IRA Certificates - 3 Months
$0
2.80% ▲ 1.26% above Wisconsin avg
View
▼
Rate2.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▲ 1.26% above avgNationally 2.09%
Details

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

Rate History
No change since Oct 9, 2026 · 2.80% APY · checked 2 times
2.30%2.80%3.30%Oct 9, 2026: 2.80% APYOct 9, 2026Oct 14, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
5517 Vern Holmes Dr, Stevens Point, WI 54482
CD - 3 Month
$0
2.75% ▲ 1.21% above Wisconsin avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average1.54%▲ 1.21% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
3 Month Certificate - Regular
$0
2.75% ▲ 1.21% above Wisconsin avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▲ 1.21% above avgNationally 2.09%
Details

Rate History
No change since Oct 13, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 13, 2026: 2.75% APYOct 13, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
3 Month IRA Certificates
$0
2.75% ▲ 1.21% above Wisconsin avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▲ 1.21% above avgNationally 2.09%
Details

Individual Retirement Account (IRAs)

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
IRA Certificates - 3 Months
$0
2.75% ▲ 1.21% above Wisconsin avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▲ 1.21% above avgNationally 2.09%
Details

Individual Retirement Account (IRAs)

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 14, 2026
Pineries Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3601 Main St, Stevens Point, WI 54481
3 Month Certificate of Deposit
$500
1.00% ▼ 0.54% below Wisconsin avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average1.54%▼ 0.54% below avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 7, 2026: 1.00% APYOct 7, 2026Oct 14, 2026
First State Bank New London, WI
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
5500 Carrie Frost Dr, Stevens Point, WI 54482
CDs/IRAs - 3 Months
$500
0.35% ▼ 1.19% below Wisconsin avg
View
▼
Rate0.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average1.54%▼ 1.19% below avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 0.35% APY · checked 2 times
0.00%0.43%0.85%Oct 8, 2026: 0.35% APYOct 8, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1245 Main St, Stevens Point, WI 54481
3 Month IRA Certificate of Deposit
$0
0.05% ▼ 1.49% below Wisconsin avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wisconsin Average1.54%▼ 1.49% below avgNationally 2.09%
Details

Minimum Balance To Obtain APY: $1,000; rates based on zip code

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1245 Main St, Stevens Point, WI 54481
3 Month Standard CD
$1,000
0.05% ▼ 1.49% below Wisconsin avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wisconsin Average1.54%▼ 1.49% below avgNationally 2.09%
Details

Balance: up to $100,000.00; Rates for ZIP code 60603

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 14, 2026
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
90 Day Certificate of Deposit
$1,000
4.21% ▲ 2.67% above Wisconsin avg
View
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average1.54%▲ 2.67% above avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 4.21% APY · checked 6 times
3.71%4.21%4.71%Sep 19, 2026: 4.21% APYSep 19, 2026Oct 14, 2026
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
3 Month CD
$75,000
3.92% ▲ 2.38% above Wisconsin avg
View
▼
Rate3.85%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average1.54%▲ 2.38% above avgNationally 2.09%
Details

Minimum $75,000.00

Rate History
1 change since Sep 25, 2026 · 3.41% → 3.92% ▲ 0.51 pts · high 3.92% / low 3.41%
2.90%3.67%4.43%Sep 25, 2026: 3.41% APYOct 12, 2026: 3.92% APYSep 25, 2026Oct 14, 2026
  • Oct 12, 20263.92%▲ from 3.41%
  • Sep 25, 20263.41%first recorded
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Jumbo Share Certificate (3 Month)
$10,000
3.90% ▲ 2.36% above Wisconsin avg
View
▼
Rate3.84%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▲ 2.36% above avgNationally 2.09%
Details

*No IRA Available

Rate History
No change since Oct 5, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 5, 2026: 3.90% APYOct 5, 2026Oct 14, 2026
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85% ▲ 2.31% above Wisconsin avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 2, 2026
Wisconsin Average1.54%▲ 2.31% above avgNationally 2.09%
Details

Special Offer. Apply now: balances under $100k. Effective Date: 10/2/2026. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals.

Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 27, 2026: 3.85% APYSep 27, 2026Oct 14, 2026
Farmers & Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
90 Day Option CD
$500
3.85% ▲ 2.31% above Wisconsin avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average1.54%▲ 2.31% above avgNationally 2.09%
Details

Special; Compounding: Quarterly; Can deposit or withdraw balance without penalty at each 90 day anniversary; $500 minimum balance must be maintained; aggregate deposits may not exceed $250,000; no institutional money

Rate History
No change since Oct 4, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 4, 2026: 3.85% APYOct 4, 2026Oct 14, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
3 Month Certificate
$5,000
3.75% ▲ 2.21% above Wisconsin avg
View
▼
Rate3.69%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wisconsin Average1.54%▲ 2.21% above avgNationally 2.09%
Details

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

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
3 Month CD
$20,000
3.67% ▲ 2.13% above Wisconsin avg
View
▼
Rate3.60%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average1.54%▲ 2.13% above avgNationally 2.09%
Details

Minimum $20,000.00

Rate History
1 change since Sep 25, 2026 · 3.41% → 3.67% ▲ 0.26 pts · high 3.67% / low 3.41%
2.91%3.54%4.17%Sep 25, 2026: 3.41% APYOct 12, 2026: 3.67% APYSep 25, 2026Oct 14, 2026
  • Oct 12, 20263.67%▲ from 3.41%
  • Sep 25, 20263.41%first recorded
Conservation First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
3 Month CD
$0
3.60% ▲ 2.06% above Wisconsin avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average1.54%▲ 2.06% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
3 Month CD
$0
3.60% ▲ 2.06% above Wisconsin avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average1.54%▲ 2.06% above avgNationally 2.09%
Details

Earn Up To

Rate History
3 changes since Sep 14, 2026 · 2.20% → 3.60% ▲ 1.40 pts · high 3.60% / low 2.20%
0.80%2.90%5.00%Sep 14, 2026: 2.20% APYSep 18, 2026: 3.60% APYSep 25, 2026: 2.20% APYOct 8, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20263.60%▲ from 2.20%
  • Sep 25, 20262.20%▼ from 3.60%
  • Sep 18, 20263.60%▲ from 2.20%
  • Sep 14, 20262.20%first recorded
Badger Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
90 Day IRA Certificate
$1,000
3.56% ▲ 2.02% above Wisconsin avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average1.54%▲ 2.02% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 7, 2026: 3.56% APYOct 7, 2026Oct 14, 2026
Badger Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
Certificate of Deposit (CDs) - 90 Day
$1,000
3.56% ▲ 2.02% above Wisconsin avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average1.54%▲ 2.02% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 7, 2026: 3.56% APYOct 7, 2026Oct 14, 2026
Bank of Cashton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month CD
$10,000
3.50% ▲ 1.96% above Wisconsin avg
View
▼
Rate3.46%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average1.54%▲ 1.96% above avgNationally 2.09%
Details

A penalty of 91 days of interest on the amount withdrawn may be imposed for CD terms less than one year. APY is subject to change without prior notice.

Rate History
1 change since Sep 14, 2026 · 2.25% → 3.50% ▲ 1.25 pts · high 3.50% / low 2.25%
1.00%2.88%4.75%Sep 14, 2026: 2.25% APYOct 3, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20263.50%▲ from 2.25%
  • Sep 14, 20262.25%first recorded
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 3 Month Certificate of Deposit
$100,000
3.45% ▲ 1.91% above Wisconsin avg
View
▼
Rate3.41%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average1.54%▲ 1.91% above avgNationally 2.09%
Details

Interest Compounded:; Interest Credited: At Maturity

Rate History
No change since Oct 8, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 8, 2026: 3.45% APYOct 8, 2026Oct 14, 2026
Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
Certificates - 3-Month
$250
3.44% ▲ 1.90% above Wisconsin avg
View
▼
Rate3.40%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▲ 1.90% above avgNationally 2.09%
Details

Dividends Paid: Quarterly; $250 minimum to open

Rate History
No change since Oct 13, 2026 · 3.44% APY
2.94%3.44%3.94%Oct 13, 2026: 3.44% APYOct 13, 2026Oct 14, 2026
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
3 Month CD
$500
3.41% ▲ 1.87% above Wisconsin avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average1.54%▲ 1.87% above avgNationally 2.09%
Details

Rate History
No change since Sep 25, 2026 · 3.41% APY · checked 4 times
2.91%3.41%3.91%Sep 25, 2026: 3.41% APYSep 25, 2026Oct 14, 2026
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Share Certificate (3 Month)
$1,000
3.40% ▲ 1.86% above Wisconsin avg
View
▼
Rate3.36%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▲ 1.86% above avgNationally 2.09%
Details

*No IRA Available

Rate History
No change since Oct 5, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Oct 5, 2026: 3.40% APYOct 5, 2026Oct 14, 2026
Meadowland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
Share Certificate - 3 Month
$0
3.25% ▲ 1.71% above Wisconsin avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▲ 1.71% above avgNationally 2.09%
Details

Early withdrawal penalty: 90 days

Rate History
No change since Oct 13, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 13, 2026: 3.25% APYOct 13, 2026Oct 14, 2026
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 3 Month Certificate of Deposit
$25,000
3.15% ▲ 1.61% above Wisconsin avg
View
▼
Rate3.11%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average1.54%▲ 1.61% above avgNationally 2.09%
Details

Interest Compounded:; Interest Credited: At Maturity

Rate History
No change since Oct 8, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Oct 8, 2026: 3.15% APYOct 8, 2026Oct 14, 2026
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 3 Month Certificate of Deposit
$1,000
3.05% ▲ 1.51% above Wisconsin avg
View
▼
Rate3.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average1.54%▲ 1.51% above avgNationally 2.09%
Details

Interest Compounded:; Interest Credited: At Maturity

Rate History
No change since Oct 8, 2026 · 3.05% APY · checked 2 times
2.55%3.05%3.55%Oct 8, 2026: 3.05% APYOct 8, 2026Oct 14, 2026
Oostburg State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
3-Month CD
$1,000
3.03% ▲ 1.49% above Wisconsin avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average1.54%▲ 1.49% above avgNationally 2.09%
Details

Rate History
1 change since Sep 27, 2026 · 1.61% → 3.03% ▲ 1.42 pts · high 3.03% / low 1.61%
0.19%2.32%4.45%Sep 27, 2026: 1.61% APYOct 7, 2026: 3.03% APYSep 27, 2026Oct 14, 2026
  • Oct 7, 20263.03%▲ from 1.61%
  • Sep 27, 20261.61%first recorded
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
Certificate - 3 Month
$0
3.00% ▲ 1.46% above Wisconsin avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▲ 1.46% above avgNationally 2.09%
Details

Effective October 13, 2026; Penalty for early withdrawal applies

Rate History
No change since Oct 13, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 13, 2026: 3.00% APYOct 13, 2026Oct 14, 2026
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
Certificate Special - 3 Months
$0
3.00% ▲ 1.46% above Wisconsin avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▲ 1.46% above avgNationally 2.09%
Details

Minimum balance $2,000; Early Withdrawal Penalty: 30 Days; Effective Date: October 13, 2026

Rate History
No change since Oct 13, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 13, 2026: 3.00% APYOct 13, 2026Oct 14, 2026
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
Certificates - 3 Months
$0
3.00% ▲ 1.46% above Wisconsin avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▲ 1.46% above avgNationally 2.09%
Details

Early Withdrawal Penalty: 30 Days

Rate History
No change since Oct 13, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 13, 2026: 3.00% APYOct 13, 2026Oct 14, 2026
GreenLeaf Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
3 Month Certificate
$2,500
2.85% ▲ 1.31% above Wisconsin avg
View
▼
Rate2.85%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average1.54%▲ 1.31% above avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 2.85% APY · checked 6 times
2.35%2.85%3.35%Sep 19, 2026: 2.85% APYSep 19, 2026Oct 14, 2026
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
3 Month Share Certificate
$500
2.85% ▲ 1.31% above Wisconsin avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▲ 1.31% above avgNationally 2.09%
Details

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

Rate History
No change since Sep 18, 2026 · 2.85% APY · checked 3 times
2.35%2.85%3.35%Sep 18, 2026: 2.85% APYSep 18, 2026Oct 14, 2026
West Pointe Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
3 Month Fixed Rate Certificate of Deposit
$1,000
2.83% ▲ 1.29% above Wisconsin avg
View
▼
Rate2.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average1.54%▲ 1.29% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 2.83% APY · checked 2 times
2.33%2.83%3.33%Oct 7, 2026: 2.83% APYOct 7, 2026Oct 14, 2026
River Falls State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
3 Month Certificate
$500
2.52% ▲ 0.98% above Wisconsin avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average1.54%▲ 0.98% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 1.41% → 2.52% ▲ 1.11 pts · high 2.52% / low 1.41%
0.30%1.96%3.63%Sep 14, 2026: 1.41% APYOct 7, 2026: 2.52% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20262.52%▲ from 1.41%
  • Sep 14, 20261.41%first recorded
River Falls State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
32 - 90 Days Certificate
$500
2.52% ▲ 0.98% above Wisconsin avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average1.54%▲ 0.98% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 2.52% APY · checked 2 times
2.02%2.52%3.02%Oct 7, 2026: 2.52% APYOct 7, 2026Oct 14, 2026
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificate - 90 Day
$1,000
2.52% ▲ 0.98% above Wisconsin avg
View
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▲ 0.98% above avgNationally 2.09%
Details

Rate History
No change since Oct 13, 2026 · 2.52% APY
2.02%2.52%3.02%Oct 13, 2026: 2.52% APYOct 13, 2026Oct 14, 2026
Wolf River Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
3-month CD
$0
2.50% ▲ 0.96% above Wisconsin avg
View
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average1.54%▲ 0.96% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 14, 2026
Athens Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
3-Month, 6-Month, 9 Month Share Certificate
$1,000
2.40% ▲ 0.86% above Wisconsin avg
View
▼
Rate2.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average1.54%▲ 0.86% above avgNationally 2.09%
Details

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

Rate History
No change since Sep 18, 2026 · 2.40% APY · checked 5 times
1.90%2.40%2.90%Sep 18, 2026: 2.40% APYSep 18, 2026Oct 14, 2026
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
3 month CD
$2,500
2.20% ▲ 0.66% above Wisconsin avg
View
▼
Rate2.20%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average1.54%▲ 0.66% above avgNationally 2.09%
Details

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

Stevens Point 6 Month CD Rates

Wisconsin 6 Month CD Average2.40% APYNational 2.77%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
5517 Vern Holmes Dr, Stevens Point, WI 54482
Relationship CD - 6 Month
$0
3.50% ▲ 1.10% above Wisconsin avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.40%▲ 1.10% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
5517 Vern Holmes Dr, Stevens Point, WI 54482
CD - 6 Month
$0
3.20% ▲ 0.80% above Wisconsin avg
View
▼
Rate3.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.40%▲ 0.80% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 7 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
6 Month IRA Certificates
$0
3.10% ▲ 0.70% above Wisconsin avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 0.70% above avgNationally 2.77%
Details

Individual Retirement Account (IRA) with $250,000 minimum

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 7 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
6 Month Regular Certificate
$0
3.10% ▲ 0.70% above Wisconsin avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 0.70% above avgNationally 2.77%
Details

Certificates with $250,000 Minimum

Rate History
No change since Oct 13, 2026 · 3.10% APY
2.60%3.10%3.60%Oct 13, 2026: 3.10% APYOct 13, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
IRA Certificates - 6 Months
$0
3.10% ▲ 0.70% above Wisconsin avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 0.70% above avgNationally 2.77%
Details

Individual Retirement Account (IRAs) With $250,000 Minimum

Rate History
No change since Oct 13, 2026 · 3.10% APY
2.60%3.10%3.60%Oct 13, 2026: 3.10% APYOct 13, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
6 Month Certificates - Regular
$0
3.05% ▲ 0.65% above Wisconsin avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 0.65% above avgNationally 2.77%
Details

Certificates with $10,000 Minimum; Open Account

Rate History
No change since Oct 13, 2026 · 3.05% APY
2.55%3.05%3.55%Oct 13, 2026: 3.05% APYOct 13, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
6 Month IRA Certificates
$0
3.05% ▲ 0.65% above Wisconsin avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 0.65% above avgNationally 2.77%
Details

Individual Retirement Account (IRA) with $10,000 minimum; Contact Us to Apply

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 3 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
IRA Certificates - 6 Months
$0
3.05% ▲ 0.65% above Wisconsin avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 0.65% above avgNationally 2.77%
Details

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

Rate History
No change since Oct 9, 2026 · 3.05% APY · checked 2 times
2.55%3.05%3.55%Oct 9, 2026: 3.05% APYOct 9, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
6 Month Certificate - Regular
$0
3.00% ▲ 0.60% above Wisconsin avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 0.60% above avgNationally 2.77%
Details

Rate History
No change since Oct 13, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 13, 2026: 3.00% APYOct 13, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
6 Month IRA Certificates
$0
3.00% ▲ 0.60% above Wisconsin avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 0.60% above avgNationally 2.77%
Details

Individual Retirement Account (IRAs)

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
IRA Certificates - 6 Months
$0
3.00% ▲ 0.60% above Wisconsin avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 0.60% above avgNationally 2.77%
Details

Individual Retirement Account (IRAs)

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
Sentry Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
1800 N Point Dr, Stevens Point, WI 54481 1253
6 Month Term Share Certificate
$0
2.00% ▼ 0.40% below Wisconsin avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▼ 0.40% below avgNationally 2.77%
Details

Dividend Paid: End of Term

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
Central Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
2201 Division St, Stevens Point, WI 54481 3662
6 Month Share Certificate
$0
1.26% ▼ 1.14% below Wisconsin avg
View
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▼ 1.14% below avgNationally 2.77%
Details

Share Certificate; $1,000 minimum

Rate History
No change since Oct 13, 2026 · 1.26% APY
0.76%1.26%1.76%Oct 13, 2026: 1.26% APYOct 13, 2026Oct 14, 2026
Pineries Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3601 Main St, Stevens Point, WI 54481
6 Month Certificate of Deposit
$1,000
1.25% ▼ 1.15% below Wisconsin avg
View
▼
Rate1.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.40%▼ 1.15% below avgNationally 2.77%
Details

Rate History
No change since Oct 7, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Oct 7, 2026: 1.25% APYOct 7, 2026Oct 14, 2026
Simplicity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.92%
3101 Hoover Rd, Stevens Point, WI 54481
6 Month Business Share Certificates
$250
1.25% ▼ 1.15% below Wisconsin avg
View
▼
Rate1.24%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▼ 1.15% below avgNationally 2.77%
Details

Dividend Paid: Monthly

Rate History
No change since Sep 18, 2026 · 1.25% APY · checked 5 times
0.75%1.25%1.75%Sep 18, 2026: 1.25% APYSep 18, 2026Oct 14, 2026
Simplicity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.92%
3101 Hoover Rd, Stevens Point, WI 54481
6 Month Share Certificate
$250
1.25% ▼ 1.15% below Wisconsin avg
View
▼
Rate1.24%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▼ 1.15% below avgNationally 2.77%
Details

Dividend paid: Monthly

Rate History
No change since Oct 13, 2026 · 1.25% APY
0.75%1.25%1.75%Oct 13, 2026: 1.25% APYOct 13, 2026Oct 14, 2026
Prevail Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
5709 Windy Dr, Stevens Point, WI 54482
6 Month Certificate
$1,000
1.00% ▼ 1.40% below Wisconsin avg
View
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.40%▼ 1.40% below avgNationally 2.77%
Details

Balance: $1,000 - $49,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2940 Church St, Stevens Point, WI 54481
6 Month Share Certificates
$0
0.91% ▼ 1.49% below Wisconsin avg
View
▼
Rate0.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▼ 1.49% below avgNationally 2.77%
Details

Penalty for early withdrawal

Rate History
No change since Oct 13, 2026 · 0.91% APY
0.41%0.91%1.41%Oct 13, 2026: 0.91% APYOct 13, 2026Oct 14, 2026
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2940 Church St, Stevens Point, WI 54481
Share Certificates - 6 Months
$0
0.91% ▼ 1.49% below Wisconsin avg
View
▼
Rate0.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▼ 1.49% below avgNationally 2.77%
Details

Rate History
No change since Oct 13, 2026 · 0.91% APY
0.41%0.91%1.41%Oct 13, 2026: 0.91% APYOct 13, 2026Oct 14, 2026
First State Bank New London, WI
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
5500 Carrie Frost Dr, Stevens Point, WI 54482
CDs/IRAs - 6 Months
$500
0.45% ▼ 1.95% below Wisconsin avg
View
▼
Rate0.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.40%▼ 1.95% below avgNationally 2.77%
Details

Rate History
No change since Oct 8, 2026 · 0.45% APY · checked 2 times
0.00%0.48%0.95%Oct 8, 2026: 0.45% APYOct 8, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1245 Main St, Stevens Point, WI 54481
6 Month IRA Certificate of Deposit
$0
0.05% ▼ 2.35% below Wisconsin avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wisconsin Average2.40%▼ 2.35% below avgNationally 2.77%
Details

Minimum Balance To Obtain APY: $1,000; rates based on zip code

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1245 Main St, Stevens Point, WI 54481
6 Month Standard CD
$1,000
0.05% ▼ 2.35% below Wisconsin avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wisconsin Average2.40%▼ 2.35% below avgNationally 2.77%
Details

Balance: up to $100,000.00; Rates for ZIP code 60603

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 14, 2026
Northwoods Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
6 Month Youth Share Certificate
$100
5.06% ▲ 2.66% above Wisconsin avg
View
▼
Rate5.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 2.66% above avgNationally 2.77%
Details

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

Rate History
No change since Sep 18, 2026 · 5.06% APY · checked 7 times
4.56%5.06%5.56%Sep 18, 2026: 5.06% APYSep 18, 2026Oct 14, 2026
Midwest Family Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
6 Month Loyalty Certificate Promo
$0
4.59% ▲ 2.19% above Wisconsin avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 2.19% above avgNationally 2.77%
Details

Qualifications Required; Checking and Savings account, Debit card, currently have Direct Deposit; money must be new to MWFFCU; APR column shown as 4.50%; Penalty for early withdrawal is loss of 90 days dividends

Rate History
No change since Sep 17, 2026 · 4.59% APY · checked 7 times
4.09%4.59%5.09%Sep 17, 2026: 4.59% APYSep 17, 2026Oct 14, 2026
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
6 Month Share Certificate
$500
4.50% ▲ 2.10% above Wisconsin avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 2.10% above avgNationally 2.77%
Details

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

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 14, 2026
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
6 Month Certificate of Deposit
$500
4.40% ▲ 2.00% above Wisconsin avg
View
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.40%▲ 2.00% above avgNationally 2.77%
Details

Rate History
No change since Sep 19, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Sep 19, 2026: 4.40% APYSep 19, 2026Oct 14, 2026
Evergreen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
Certificates of Deposits - 6 months
$1,000
4.30% ▲ 1.90% above Wisconsin avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 1.90% above avgNationally 2.77%
Details

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

Rate History
No change since Oct 13, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 13, 2026: 4.30% APYOct 13, 2026Oct 14, 2026
Forward Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
6 Month CD
$500
4.25% ▲ 1.85% above Wisconsin avg
View
▼
Rate4.19%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.40%▲ 1.85% above avgNationally 2.77%
Details

Balance: $500 - $9,999.99

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
Jumbo Certificates and IRAs - 6 Months
$0
4.25% ▲ 1.85% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 1.85% above avgNationally 2.77%
Details

Early Withdrawal Penalty: 180 Days

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 14, 2026
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
6 Month Certificate of Deposit (CD)
$0
4.18% ▲ 1.78% above Wisconsin avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 1.78% above avgNationally 2.77%
Details

Rate History
2 changes since Sep 21, 2026 · 4.18% → 4.18% ▼ 0.00 pts · high 4.18% / low 4.15%
3.65%4.17%4.68%Sep 21, 2026: 4.18% APYOct 5, 2026: 4.15% APYOct 13, 2026: 4.18% APYSep 21, 2026Oct 14, 2026
  • Oct 13, 20264.18%▲ from 4.15%
  • Oct 5, 20264.15%▼ from 4.18%
  • Sep 21, 20264.18%first recorded
Ladysmith Federal S&L
Institution Rating:
B4.6 ★Texas Ratio: 19.45%
6 Month IRA Certificate
$0
4.11% ▲ 1.71% above Wisconsin avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.40%▲ 1.71% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 1.51% → 4.11% ▲ 2.60 pts · high 4.11% / low 1.51%
0.00%3.36%6.71%Sep 14, 2026: 1.51% APYOct 7, 2026: 4.11% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20264.11%▲ from 1.51%
  • Sep 14, 20261.51%first recorded
Meadowland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
Share Certificate - 6 Month
$0
4.10% ▲ 1.70% above Wisconsin avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 1.70% above avgNationally 2.77%
Details

Early withdrawal penalty: 90 days

Rate History
No change since Oct 13, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 13, 2026: 4.10% APYOct 13, 2026Oct 14, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
6 Month Certificate
$500
4.10% ▲ 1.70% above Wisconsin avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wisconsin Average2.40%▲ 1.70% above avgNationally 2.77%
Details

IRA/HSA & Share Certificate; penalty for early withdrawal; minimum deposit $500 to open and earn dividends; Rate = dividend rate

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYSep 27, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
  • Sep 27, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-Month Business CD
$2,500
4.10% ▲ 1.70% above Wisconsin avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wisconsin Average2.40%▲ 1.70% above avgNationally 2.77%
Details

APY accurate as of 10/13/2026; Maximum deposit $10 million; Limited-time offer

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 14, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-Month CD
$2,500
4.10% ▲ 1.70% above Wisconsin avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wisconsin Average2.40%▲ 1.70% above avgNationally 2.77%
Details

Short-Term Growth; Annual Percentage Yield accurate as of 10/13/2026; Limited-time offer

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
6-month CD
$1,000
4.00% ▲ 1.60% above Wisconsin avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.00% ▲ 0.44 pts · high 4.00% / low 3.56%
3.06%3.78%4.50%Sep 14, 2026: 3.56% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.00%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
The Bank of Brodhead
Institution Rating:
A5.0 ★Texas Ratio: 9.85%
Certificates of Deposit Special - 6 Month
$500
4.00% ▲ 1.60% above Wisconsin avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.77%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 14, 2026
Badger Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
6 Month IRA Certificate
$1,000
4.00% ▲ 1.60% above Wisconsin avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.77%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 14, 2026
Badger Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
Certificate of Deposit (CDs) - 6 Month
$1,000
4.00% ▲ 1.60% above Wisconsin avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.77%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 14, 2026
Alliance Bank WI
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
6 Month CD Special
$500
4.00% ▲ 1.60% above Wisconsin avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
PyraMax Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
6 Month Fixed Rate Special
$5,000
4.00% ▲ 1.60% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Sep 14, 2026: 3.85% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.00%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 6 Month Certificate of Deposit
$100,000
4.00% ▲ 1.60% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.77%
Details

Interest Compounded: Quarterly; Interest Credited: Quarterly

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 14, 2026
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
6-Month CD
$1,000
4.00% ▲ 1.60% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.77%
Details

Rate History
1 change since Sep 20, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Sep 20, 2026: 3.90% APYOct 8, 2026: 4.00% APYSep 20, 2026Oct 14, 2026
  • Oct 8, 20264.00%▲ from 3.90%
  • Sep 20, 20263.90%first recorded
Farmers & Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate
$500
4.00% ▲ 1.60% above Wisconsin avg
View
▼
Rate3.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.77%
Details

Special; Certificates & IRAs; Compounding: At Maturity

Rate History
No change since Oct 4, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 4, 2026: 4.00% APYOct 4, 2026Oct 14, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
6 Month Certificate Special
$0
4.00% ▲ 1.60% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.77%
Details

Minimum Balance to Earn Dividends: $1,000; APY shown accurate as of 10/1/26 and available for a limited time; Penalty for early withdrawal; Membership required

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 2026
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Jumbo Share Certificate (6 Month)
$10,000
4.00% ▲ 1.60% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.77%
Details

*No IRA Available

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 14, 2026
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
6 Month Certificate
$0
4.00% ▲ 1.60% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wisconsin Average2.40%▲ 1.60% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
R.I.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
6 Month Share Certificate
$0
3.92% ▲ 1.52% above Wisconsin avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.40%▲ 1.52% above avgNationally 2.77%
Details

Dividend Frequency: Monthly

Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 8 times
3.42%3.92%4.42%Sep 14, 2026: 3.92% APYSep 14, 2026Oct 14, 2026
Bank of Luxemburg
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
6 Month CD
$1,000
3.90% ▲ 1.50% above Wisconsin avg
View
▼
Rate3.82%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.40%▲ 1.50% above avgNationally 2.77%
Details

Rate History
No change since Sep 19, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 19, 2026: 3.90% APYSep 19, 2026Oct 14, 2026
GreenLeaf Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
6 Month Certificate
$2,500
3.90% ▲ 1.50% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.40%▲ 1.50% above avgNationally 2.77%
Details

Rate History
No change since Sep 19, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 19, 2026: 3.90% APYSep 19, 2026Oct 14, 2026

Stevens Point 12 Month CD Rates

Wisconsin 12 Month CD Average2.80% APYNational 2.99%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
5517 Vern Holmes Dr, Stevens Point, WI 54482
Relationship CD - 12 Month
$0
4.00% ▲ 1.20% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.80%▲ 1.20% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Simplicity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.92%
3101 Hoover Rd, Stevens Point, WI 54481
12-Month HSA Share Certificate
$250
3.75% ▲ 0.95% above Wisconsin avg
View
▼
Rate3.70%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 0.95% above avgNationally 2.99%
Details

Dividend Paid: Quarterly

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
5517 Vern Holmes Dr, Stevens Point, WI 54482
CD - 12 Month
$0
3.70% ▲ 0.90% above Wisconsin avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.80%▲ 0.90% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.70% ▲ 0.20 pts · high 3.70% / low 3.50%
3.00%3.60%4.20%Sep 14, 2026: 3.50% APYSep 24, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20263.70%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
12 Month IRA Certificates
$0
3.35% ▲ 0.55% above Wisconsin avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 0.55% above avgNationally 2.99%
Details

Individual Retirement Account (IRA) with $250,000 minimum

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 7 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
12 Month Regular Certificate
$0
3.35% ▲ 0.55% above Wisconsin avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 0.55% above avgNationally 2.99%
Details

Certificates with $250,000 Minimum

Rate History
No change since Oct 13, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 13, 2026: 3.35% APYOct 13, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
IRA Certificates - 12 Months
$0
3.35% ▲ 0.55% above Wisconsin avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 0.55% above avgNationally 2.99%
Details

Individual Retirement Account (IRAs) With $250,000 Minimum

Rate History
No change since Oct 13, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 13, 2026: 3.35% APYOct 13, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
12 Month Certificates - Regular
$0
3.30% ▲ 0.50% above Wisconsin avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 0.50% above avgNationally 2.99%
Details

Certificates with $10,000 Minimum; Open Account

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
12 Month IRA Certificates
$0
3.30% ▲ 0.50% above Wisconsin avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 0.50% above avgNationally 2.99%
Details

Individual Retirement Account (IRA) with $10,000 minimum; Contact Us to Apply

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
IRA Certificates - 12 Months
$0
3.30% ▲ 0.50% above Wisconsin avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 0.50% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 9, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 9, 2026: 3.30% APYOct 9, 2026Oct 14, 2026
Central Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
2201 Division St, Stevens Point, WI 54481 3662
1 Year Share Certificate
$0
3.30% ▲ 0.50% above Wisconsin avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 0.50% above avgNationally 2.99%
Details

Share Certificate; $40,000 minimum

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
12 Month Certificate - Regular
$0
3.25% ▲ 0.45% above Wisconsin avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 0.45% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 13, 2026: 3.25% APYOct 13, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
12 Month IRA Certificates
$0
3.25% ▲ 0.45% above Wisconsin avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 0.45% above avgNationally 2.99%
Details

Individual Retirement Account (IRAs)

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
IRA Certificates - 12 Months
$0
3.25% ▲ 0.45% above Wisconsin avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 0.45% above avgNationally 2.99%
Details

Individual Retirement Account (IRAs)

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
Central Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
2201 Division St, Stevens Point, WI 54481 3662
1 Year Share Certificate
$0
3.09% ▲ 0.29% above Wisconsin avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 0.29% above avgNationally 2.99%
Details

Share Certificate; $1,000 minimum

Rate History
No change since Oct 13, 2026 · 3.09% APY
2.59%3.09%3.59%Oct 13, 2026: 3.09% APYOct 13, 2026Oct 14, 2026
Sentry Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
1800 N Point Dr, Stevens Point, WI 54481 1253
12 Month Term Share Certificate
$0
3.03% ▲ 0.23% above Wisconsin avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 0.23% above avgNationally 2.99%
Details

Dividend Paid: Quarterly

Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 6 times
2.53%3.03%3.53%Sep 14, 2026: 3.03% APYSep 14, 2026Oct 14, 2026
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2940 Church St, Stevens Point, WI 54481
12 Month Share Certificates
$0
2.89% ▲ 0.09% above Wisconsin avg
View
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 0.09% above avgNationally 2.99%
Details

Penalty for early withdrawal

Rate History
No change since Oct 13, 2026 · 2.89% APY
2.39%2.89%3.39%Oct 13, 2026: 2.89% APYOct 13, 2026Oct 14, 2026
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2940 Church St, Stevens Point, WI 54481
Share Certificates - 12 Months
$0
2.89% ▲ 0.09% above Wisconsin avg
View
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 0.09% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 2.89% APY
2.39%2.89%3.39%Oct 13, 2026: 2.89% APYOct 13, 2026Oct 14, 2026
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2940 Church St, Stevens Point, WI 54481
IRA Certificates - 12 Months
$0
2.88% ▲ 0.08% above Wisconsin avg
View
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 0.08% above avgNationally 2.99%
Details

Penalty for early withdrawal.

Rate History
No change since Oct 13, 2026 · 2.88% APY
2.38%2.88%3.38%Oct 13, 2026: 2.88% APYOct 13, 2026Oct 14, 2026
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2940 Church St, Stevens Point, WI 54481
12 Month Share Certificates - 12 (Minor Share Certificate)
$0
2.85% ▲ 0.05% above Wisconsin avg
View
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 0.05% above avgNationally 2.99%
Details

Minor Share Certificate; Penalty for early withdrawal. Minors share certificates will transfer to an open share account on the first maturity date after member turns 18

Rate History
No change since Oct 13, 2026 · 2.85% APY
2.35%2.85%3.35%Oct 13, 2026: 2.85% APYOct 13, 2026Oct 14, 2026
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2940 Church St, Stevens Point, WI 54481
Share Certificates - 12 Months (Minor Share Certificate)
$0
2.85% ▲ 0.05% above Wisconsin avg
View
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 0.05% above avgNationally 2.99%
Details

Minor Share Certificate; minors share certificates will transfer to an open share account on the first maturity date after member turns 18; penalty for early withdrawal

Rate History
No change since Oct 13, 2026 · 2.85% APY
2.35%2.85%3.35%Oct 13, 2026: 2.85% APYOct 13, 2026Oct 14, 2026
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2940 Church St, Stevens Point, WI 54481
12 Month Share Certificates
$0
2.84% ▲ 0.04% above Wisconsin avg
View
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 0.04% above avgNationally 2.99%
Details

Penalty for early withdrawal

Rate History
No change since Oct 13, 2026 · 2.84% APY
2.34%2.84%3.34%Oct 13, 2026: 2.84% APYOct 13, 2026Oct 14, 2026
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2940 Church St, Stevens Point, WI 54481
Share Certificates - 12 Months
$0
2.84% ▲ 0.04% above Wisconsin avg
View
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 0.04% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 2.84% APY
2.34%2.84%3.34%Oct 13, 2026: 2.84% APYOct 13, 2026Oct 14, 2026
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2940 Church St, Stevens Point, WI 54481
IRA Certificates - 12 Months
$0
2.83% ▲ 0.03% above Wisconsin avg
View
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 0.03% above avgNationally 2.99%
Details

Penalty for early withdrawal.

Rate History
No change since Oct 13, 2026 · 2.83% APY
2.33%2.83%3.33%Oct 13, 2026: 2.83% APYOct 13, 2026Oct 14, 2026
Simplicity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.92%
3101 Hoover Rd, Stevens Point, WI 54481
12 Month Business Share Certificates
$250
2.75% ▼ 0.05% below Wisconsin avg
View
▼
Rate2.72%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▼ 0.05% below avgNationally 2.99%
Details

Dividend Paid: Quarterly

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 14, 2026
Simplicity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.92%
3101 Hoover Rd, Stevens Point, WI 54481
12 Month Share Certificate
$250
2.75% ▼ 0.05% below Wisconsin avg
View
▼
Rate2.72%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▼ 0.05% below avgNationally 2.99%
Details

Dividend paid: Quarterly

Rate History
No change since Oct 13, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 13, 2026: 2.75% APYOct 13, 2026Oct 14, 2026
Pineries Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3601 Main St, Stevens Point, WI 54481
12 Month Certificate of Deposit
$1,000
2.60% ▼ 0.20% below Wisconsin avg
View
▼
Rate2.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.80%▼ 0.20% below avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 2.60% APY · checked 2 times
2.10%2.60%3.10%Oct 7, 2026: 2.60% APYOct 7, 2026Oct 14, 2026
Pineries Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3601 Main St, Stevens Point, WI 54481
HSA 1 Year CD
$1,000
2.60% ▼ 0.20% below Wisconsin avg
View
▼
Rate2.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.80%▼ 0.20% below avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 6 times
2.10%2.60%3.10%Sep 14, 2026: 2.60% APYSep 14, 2026Oct 14, 2026
Peoples State Bank (WI)
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
138 Mcdill Ave, Stevens Point, WI 54481
12 Month CD
$2,500
2.50% ▼ 0.30% below Wisconsin avg
View
▼
Rate2.47%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.80%▼ 0.30% below avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 14, 2026
First State Bank New London, WI
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
5500 Carrie Frost Dr, Stevens Point, WI 54482
CDs/IRAs - 12 Months
$500
1.46% ▼ 1.34% below Wisconsin avg
View
▼
Rate1.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.80%▼ 1.34% below avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 1.46% APY · checked 2 times
0.96%1.46%1.96%Oct 8, 2026: 1.46% APYOct 8, 2026Oct 14, 2026
Prevail Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
5709 Windy Dr, Stevens Point, WI 54482
12 Month Certificate
$1,000
1.10% ▼ 1.70% below Wisconsin avg
View
▼
Rate1.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.80%▼ 1.70% below avgNationally 2.99%
Details

Balance: $1,000 - $49,999.99

Rate History
No change since Sep 14, 2026 · 1.10% APY · checked 7 times
0.60%1.10%1.60%Sep 14, 2026: 1.10% APYSep 14, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1245 Main St, Stevens Point, WI 54481
12 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.05% below Wisconsin avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wisconsin Average2.80%▼ 2.05% below avgNationally 2.99%
Details

Minimum Balance To Obtain APY: $1,000; rates based on zip code

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1245 Main St, Stevens Point, WI 54481
12 Month Standard CD
$1,000
0.75% ▼ 2.05% below Wisconsin avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wisconsin Average2.80%▼ 2.05% below avgNationally 2.99%
Details

Balance: up to $100,000.00; Rates for ZIP code 60603

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
12 Month Certificates - Smart Saver Plus
$0
0.72% ▼ 2.08% below Wisconsin avg
View
▼
Rate0.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▼ 2.08% below avgNationally 2.99%
Details

Certificates with $10,000 Minimum; Open Account

Rate History
No change since Oct 13, 2026 · 0.72% APY
0.22%0.72%1.22%Oct 13, 2026: 0.72% APYOct 13, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
12 Month Certificate - Smart Saver Plus
$0
0.67% ▼ 2.13% below Wisconsin avg
View
▼
Rate0.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▼ 2.13% below avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 0.67% APY
0.17%0.67%1.17%Oct 13, 2026: 0.67% APYOct 13, 2026Oct 14, 2026
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12 Month Youth Saver Certificate
$100
6.00% ▲ 3.20% above Wisconsin avg
View
▼
Rate5.87%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 3.20% above avgNationally 2.99%
Details

Youth certificate; $100 minimum, $3,000 maximum

Rate History
No change since Sep 14, 2026 · 6.00% APY · checked 8 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APYSep 14, 2026Oct 14, 2026
Gundersen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
Teenager (Age 13-17) - 12 Month Term (Deposit Certificiate)
$100
5.50% ▲ 2.70% above Wisconsin avg
View
▼
Rate5.39%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 2.70% above avgNationally 2.99%
Details

Ages: 13-17; Additional deposits not permitted; early withdrawal penalty 180 days interest

Rate History
No change since Oct 13, 2026 · 5.50% APY
5.00%5.50%6.00%Oct 13, 2026: 5.50% APYOct 13, 2026Oct 14, 2026
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
12 Month Certificate
$0
4.63% ▲ 1.83% above Wisconsin avg
View
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.80%▲ 1.83% above avgNationally 2.99%
Details

Balance: $35,000+

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.63% ▲ 1.08 pts · high 4.63% / low 3.55%
2.47%4.09%5.71%Sep 14, 2026: 3.55% APYSep 24, 2026: 4.63% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.63%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
12-Month Traditional/Roth IRA CD
$100,000
4.59% ▲ 1.79% above Wisconsin avg
View
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.79% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.33% → 4.59% ▲ 0.26 pts · high 4.59% / low 4.33%
3.83%4.46%5.09%Sep 14, 2026: 4.33% APYSep 29, 2026: 4.59% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.59%▲ from 4.33%
  • Sep 14, 20264.33%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 12-Month
$100,000
4.59% ▲ 1.79% above Wisconsin avg
View
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.79% above avgNationally 2.99%
Details

Min balance tier: $100.000.00 (as printed)

Rate History
1 change since Sep 14, 2026 · 4.33% → 4.59% ▲ 0.26 pts · high 4.59% / low 4.33%
3.83%4.46%5.09%Sep 14, 2026: 4.33% APYSep 29, 2026: 4.59% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.59%▲ from 4.33%
  • Sep 14, 20264.33%first recorded
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
12 Month CD Special
$1,000
4.50% ▲ 1.70% above Wisconsin avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.70% above avgNationally 2.99%
Details

Penalties for early withdrawal

Rate History
1 change since Sep 18, 2026 · 3.60% → 4.50% ▲ 0.90 pts · high 4.50% / low 3.60%
2.70%4.05%5.40%Sep 18, 2026: 3.60% APYOct 1, 2026: 4.50% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20264.50%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
12 Month IRA Certificates
$500
4.50% ▲ 1.70% above Wisconsin avg
View
▼
Rate4.43%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.70% above avgNationally 2.99%
Details

CD SPECIAL

Rate History
1 change since Sep 22, 2026 · 3.60% → 4.50% ▲ 0.90 pts · high 4.50% / low 3.60%
2.70%4.05%5.40%Sep 22, 2026: 3.60% APYOct 13, 2026: 4.50% APYSep 22, 2026Oct 14, 2026
  • Oct 13, 20264.50%▲ from 3.60%
  • Sep 22, 20263.60%first recorded
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
IRA Certificates - CD Special 12 months
$500
4.50% ▲ 1.70% above Wisconsin avg
View
▼
Rate4.43%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.70% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 14, 2026
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
Jumbo Certificates and IRAs - 12 Months
$0
4.50% ▲ 1.70% above Wisconsin avg
View
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.70% above avgNationally 2.99%
Details

Early Withdrawal Penalty: 270 Days

Rate History
No change since Oct 13, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 14, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
12-Month Traditional/Roth IRA CD
$500
4.44% ▲ 1.64% above Wisconsin avg
View
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.64% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.18% → 4.44% ▲ 0.26 pts · high 4.44% / low 4.18%
3.68%4.31%4.94%Sep 14, 2026: 4.18% APYSep 29, 2026: 4.44% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.44%▲ from 4.18%
  • Sep 14, 20264.18%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 12-Month
$500
4.44% ▲ 1.64% above Wisconsin avg
View
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.64% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.18% → 4.44% ▲ 0.26 pts · high 4.44% / low 4.18%
3.68%4.31%4.94%Sep 14, 2026: 4.18% APYSep 29, 2026: 4.44% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.44%▲ from 4.18%
  • Sep 14, 20264.18%first recorded
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
12 Month Certificate
$0
4.40% ▲ 1.60% above Wisconsin avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.80%▲ 1.60% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Sep 18, 2026: 4.40% APYSep 18, 2026Oct 14, 2026
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
12 Month Open Certificate Account
$0
4.40% ▲ 1.60% above Wisconsin avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.80%▲ 1.60% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 7, 2026: 4.40% APYOct 7, 2026Oct 14, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
12-month CD
$1,000
4.35% ▲ 1.55% above Wisconsin avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.80%▲ 1.55% above avgNationally 2.99%
Details

Featured rate

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 14, 2026: 4.15% APYSep 24, 2026: 4.35% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.35%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
IRA Certificates - 12 month
$1,000
4.35% ▲ 1.55% above Wisconsin avg
View
▼
Rate4.28%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.80%▲ 1.55% above avgNationally 2.99%
Details

Substantial penalty for early withdrawal

Rate History
No change since Oct 13, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 13, 2026: 4.35% APYOct 13, 2026Oct 14, 2026
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
12 Month Certificate
$0
4.30% ▲ 1.50% above Wisconsin avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.80%▲ 1.50% above avgNationally 2.99%
Details

$500 to $99,999.99

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 14, 2026

Stevens Point 18 Month CD Rates

Wisconsin 18 Month CD Average2.81% APYNational 2.88%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
5517 Vern Holmes Dr, Stevens Point, WI 54482
Relationship CD - 18 Month
$0
4.25% ▲ 1.44% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.81%▲ 1.44% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
3.60%4.18%4.75%Sep 14, 2026: 4.10% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.25%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
5517 Vern Holmes Dr, Stevens Point, WI 54482
CD - 18 Month
$0
3.95% ▲ 1.14% above Wisconsin avg
View
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.81%▲ 1.14% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 3.95% ▲ 0.15 pts · high 3.95% / low 3.80%
3.30%3.88%4.45%Sep 14, 2026: 3.80% APYSep 24, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20263.95%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
18 Month IRA Certificates
$0
3.35% ▲ 0.54% above Wisconsin avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 0.54% above avgNationally 2.88%
Details

Individual Retirement Account (IRA) with $250,000 minimum

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 7 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
18 Month Regular Certificate
$0
3.35% ▲ 0.54% above Wisconsin avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 0.54% above avgNationally 2.88%
Details

Certificates with $250,000 Minimum

Rate History
No change since Oct 13, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 13, 2026: 3.35% APYOct 13, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
IRA Certificates - 18 Months
$0
3.35% ▲ 0.54% above Wisconsin avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 0.54% above avgNationally 2.88%
Details

Individual Retirement Account (IRAs) With $250,000 Minimum

Rate History
No change since Oct 13, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 13, 2026: 3.35% APYOct 13, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
18 Month Certificates - Regular
$0
3.30% ▲ 0.49% above Wisconsin avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 0.49% above avgNationally 2.88%
Details

Certificates with $10,000 Minimum; Open Account

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
18 Month IRA Certificates
$0
3.30% ▲ 0.49% above Wisconsin avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 0.49% above avgNationally 2.88%
Details

Individual Retirement Account (IRA) with $10,000 minimum; Contact Us to Apply

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
IRA Certificates - 18 Months
$0
3.30% ▲ 0.49% above Wisconsin avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 0.49% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 9, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 9, 2026: 3.30% APYOct 9, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
18 Month Certificate - Regular
$0
3.25% ▲ 0.44% above Wisconsin avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 0.44% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 13, 2026: 3.25% APYOct 13, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
18 Month IRA Certificates
$0
3.25% ▲ 0.44% above Wisconsin avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 0.44% above avgNationally 2.88%
Details

Individual Retirement Account (IRAs)

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
IRA Certificates - 18 Months
$0
3.25% ▲ 0.44% above Wisconsin avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 0.44% above avgNationally 2.88%
Details

Individual Retirement Account (IRAs)

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
Sentry Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
1800 N Point Dr, Stevens Point, WI 54481 1253
18 Month Term Share Certificate
$0
3.19% ▲ 0.38% above Wisconsin avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 0.38% above avgNationally 2.88%
Details

Dividend Paid: Quarterly

Rate History
No change since Sep 14, 2026 · 3.19% APY · checked 6 times
2.69%3.19%3.69%Sep 14, 2026: 3.19% APYSep 14, 2026Oct 14, 2026
Pineries Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3601 Main St, Stevens Point, WI 54481
18 Month Certificate of Deposit
$1,000
2.72% ▼ 0.09% below Wisconsin avg
View
▼
Rate2.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.81%▼ 0.09% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 2.72% APY · checked 2 times
2.22%2.72%3.22%Oct 7, 2026: 2.72% APYOct 7, 2026Oct 14, 2026
Peoples State Bank (WI)
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
138 Mcdill Ave, Stevens Point, WI 54481
18 Month CD
$2,500
2.50% ▼ 0.31% below Wisconsin avg
View
▼
Rate2.47%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.81%▼ 0.31% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
18 Month Certificates - Smart Saver
$0
1.60% ▼ 1.21% below Wisconsin avg
View
▼
Rate1.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▼ 1.21% below avgNationally 2.88%
Details

Certificates with $10,000 Minimum; Open Account

Rate History
No change since Oct 13, 2026 · 1.60% APY
1.10%1.60%2.10%Oct 13, 2026: 1.60% APYOct 13, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
18 Month Certificate - Smart Saver
$0
1.55% ▼ 1.26% below Wisconsin avg
View
▼
Rate1.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▼ 1.26% below avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 1.55% APY
1.05%1.55%2.05%Oct 13, 2026: 1.55% APYOct 13, 2026Oct 14, 2026
First State Bank New London, WI
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
5500 Carrie Frost Dr, Stevens Point, WI 54482
CDs/IRAs - 18 Months
$500
1.51% ▼ 1.30% below Wisconsin avg
View
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.81%▼ 1.30% below avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 1.51% APY · checked 2 times
1.01%1.51%2.01%Oct 8, 2026: 1.51% APYOct 8, 2026Oct 14, 2026
Prevail Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
5709 Windy Dr, Stevens Point, WI 54482
18 Month Certificate
$1,000
1.10% ▼ 1.71% below Wisconsin avg
View
▼
Rate1.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.81%▼ 1.71% below avgNationally 2.88%
Details

Balance: $1,000 - $49,999.99

Rate History
No change since Sep 14, 2026 · 1.10% APY · checked 7 times
0.60%1.10%1.60%Sep 14, 2026: 1.10% APYSep 14, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1245 Main St, Stevens Point, WI 54481
18 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.06% below Wisconsin avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wisconsin Average2.81%▼ 2.06% below avgNationally 2.88%
Details

Minimum Balance To Obtain APY: $1,000; rates based on zip code

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1245 Main St, Stevens Point, WI 54481
18 Month Standard CD
$1,000
0.75% ▼ 2.06% below Wisconsin avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wisconsin Average2.81%▼ 2.06% below avgNationally 2.88%
Details

Balance: up to $100,000.00; Rates for ZIP code 60603

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 mo Variable Rate IRA
$500
4.84% ▲ 2.03% above Wisconsin avg
View
▼
Rate4.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.81%▲ 2.03% above avgNationally 2.88%
Details

18 mo Certificate of Deposit; Interest credited Quarterly; Variable

Rate History
No change since Oct 12, 2026 · 4.84% APY
4.34%4.84%5.34%Oct 12, 2026: 4.84% APYOct 12, 2026Oct 14, 2026
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
IRA Certificates - 18 month
$1,000
4.75% ▲ 1.94% above Wisconsin avg
View
▼
Rate4.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 1.94% above avgNationally 2.88%
Details

Substantial penalty for early withdrawal

Rate History
No change since Oct 13, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 13, 2026: 4.75% APYOct 13, 2026Oct 14, 2026
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
18 Month Share Certificate
$100
4.70% ▲ 1.89% above Wisconsin avg
View
▼
Rate4.62%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 1.89% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 4.70% APY
4.20%4.70%5.20%Oct 13, 2026: 4.70% APYOct 13, 2026Oct 14, 2026
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
Business Certificates - 18 month
$100
4.70% ▲ 1.89% above Wisconsin avg
View
▼
Rate4.62%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 1.89% above avgNationally 2.88%
Details

Substantial penalty for early withdrawal

Rate History
No change since Oct 13, 2026 · 4.70% APY
4.20%4.70%5.20%Oct 13, 2026: 4.70% APYOct 13, 2026Oct 14, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
18-Month Traditional/Roth IRA CD
$500
4.49% ▲ 1.68% above Wisconsin avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 1.68% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.02% → 4.49% ▲ 0.47 pts · high 4.49% / low 4.02%
3.52%4.26%4.99%Sep 14, 2026: 4.02% APYSep 29, 2026: 4.49% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.49%▲ from 4.02%
  • Sep 14, 20264.02%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 18-Month
$500
4.49% ▲ 1.68% above Wisconsin avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 1.68% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.02% → 4.49% ▲ 0.47 pts · high 4.49% / low 4.02%
3.52%4.26%4.99%Sep 14, 2026: 4.02% APYSep 29, 2026: 4.49% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.49%▲ from 4.02%
  • Sep 14, 20264.02%first recorded
WESTconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
18 Month Variable Rate IRA - Basic MVP Level
$0
4.49% ▲ 1.68% above Wisconsin avg
View
▼
Rate4.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 1.68% above avgNationally 2.88%
Details

Compounded: Daily; MVP Level: Basic

Rate History
No change since Oct 13, 2026 · 4.49% APY
3.99%4.49%4.99%Oct 13, 2026: 4.49% APYOct 13, 2026Oct 14, 2026
WESTconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
18 Month Variable Rate IRA - Gold MVP Level
$0
4.49% ▲ 1.68% above Wisconsin avg
View
▼
Rate4.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 1.68% above avgNationally 2.88%
Details

Compounded: Daily; MVP Level: Gold

Rate History
No change since Oct 13, 2026 · 4.49% APY
3.99%4.49%4.99%Oct 13, 2026: 4.49% APYOct 13, 2026Oct 14, 2026
WESTconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
18 Month Variable Rate IRA - Silver MVP Level
$0
4.49% ▲ 1.68% above Wisconsin avg
View
▼
Rate4.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 1.68% above avgNationally 2.88%
Details

Compounded: Daily; MVP Level: Silver

Rate History
No change since Oct 13, 2026 · 4.49% APY
3.99%4.49%4.99%Oct 13, 2026: 4.49% APYOct 13, 2026Oct 14, 2026
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
18 Month Certificate of Deposit (CD)
$0
4.41% ▲ 1.60% above Wisconsin avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 1.60% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 21, 2026 · 4.41% → 4.41% ▼ 0.00 pts · high 4.41% / low 4.35%
3.85%4.38%4.91%Sep 21, 2026: 4.41% APYOct 5, 2026: 4.35% APYOct 13, 2026: 4.41% APYSep 21, 2026Oct 14, 2026
  • Oct 13, 20264.41%▲ from 4.35%
  • Oct 5, 20264.35%▼ from 4.41%
  • Sep 21, 20264.41%first recorded
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
18 Month Certificate
$0
4.40% ▲ 1.59% above Wisconsin avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.81%▲ 1.59% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Sep 18, 2026: 4.40% APYSep 18, 2026Oct 14, 2026
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
18 Month Open Certificate Account
$0
4.40% ▲ 1.59% above Wisconsin avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.81%▲ 1.59% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 7, 2026: 4.40% APYOct 7, 2026Oct 14, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
18 Month Certificate
$500
4.40% ▲ 1.59% above Wisconsin avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wisconsin Average2.81%▲ 1.59% above avgNationally 2.88%
Details

IRA/HSA & Share Certificate; penalty for early withdrawal; minimum deposit $500 to open and earn dividends; Rate = dividend rate

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
3.70%4.30%4.90%Sep 14, 2026: 4.20% APYSep 27, 2026: 4.40% APYSep 14, 2026Oct 14, 2026
  • Sep 27, 20264.40%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate of Deposit
$500
4.35% ▲ 1.54% above Wisconsin avg
View
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.81%▲ 1.54% above avgNationally 2.88%
Details

Rate History
1 change since Sep 19, 2026 · 3.90% → 4.35% ▲ 0.45 pts · high 4.35% / low 3.90%
3.40%4.13%4.85%Sep 19, 2026: 3.90% APYOct 7, 2026: 4.35% APYSep 19, 2026Oct 14, 2026
  • Oct 7, 20264.35%▲ from 3.90%
  • Sep 19, 20263.90%first recorded
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month IRA
$0
4.35% ▲ 1.54% above Wisconsin avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.81%▲ 1.54% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.35% ▲ 0.45 pts · high 4.35% / low 3.90%
3.40%4.13%4.85%Sep 14, 2026: 3.90% APYOct 3, 2026: 4.35% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20264.35%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
18 Month Certificate of Deposit
$0
4.34% ▲ 1.53% above Wisconsin avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 1.53% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 4.34% APY
3.84%4.34%4.84%Oct 13, 2026: 4.34% APYOct 13, 2026Oct 14, 2026
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
18 Month IRA Certificate
$0
4.34% ▲ 1.53% above Wisconsin avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 1.53% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 4.34% APY
3.84%4.34%4.84%Oct 13, 2026: 4.34% APYOct 13, 2026Oct 14, 2026
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Certificate of Deposit - 18 months
$0
4.34% ▲ 1.53% above Wisconsin avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 1.53% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.13% → 4.34% ▲ 0.21 pts · high 4.34% / low 4.13%
3.63%4.23%4.84%Sep 14, 2026: 4.13% APYOct 13, 2026: 4.34% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.34%▲ from 4.13%
  • Sep 14, 20264.13%first recorded
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
IRA Certificate - 18 months
$0
4.34% ▲ 1.53% above Wisconsin avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 1.53% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.13% → 4.34% ▲ 0.21 pts · high 4.34% / low 4.13%
3.63%4.23%4.84%Sep 14, 2026: 4.13% APYOct 13, 2026: 4.34% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.34%▲ from 4.13%
  • Sep 14, 20264.13%first recorded
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
18 Month Certificate
$0
4.30% ▲ 1.49% above Wisconsin avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.81%▲ 1.49% above avgNationally 2.88%
Details

$500 to $99,999.99

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 14, 2026
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
18 Month Certificate of Deposit
$500
4.30% ▲ 1.49% above Wisconsin avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.81%▲ 1.49% above avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 4.30% APY · checked 6 times
3.80%4.30%4.80%Sep 19, 2026: 4.30% APYSep 19, 2026Oct 14, 2026
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
18 Month Share Certificate Special
$100
4.25% ▲ 1.44% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 1.44% above avgNationally 2.88%
Details

$100 Minimum

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 14, 2026
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
18 Month Share Certificates and IRA Certificates
$100
4.25% ▲ 1.44% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 1.44% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 14, 2026
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
Share Certificate - 18 Months
$100
4.25% ▲ 1.44% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 1.44% above avgNationally 2.88%
Details

Minimum to open or earn dividends: $100; Certificate penalty for early withdrawals applies; during the first three months all dividends are forfeited

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
Share Certificate Special - 18 Months
$100
4.25% ▲ 1.44% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 1.44% above avgNationally 2.88%
Details

Share Certificate Special section

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 14, 2026
Tomah Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
Share Certificates - Special 18 Months
$100
4.25% ▲ 1.44% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 1.44% above avgNationally 2.88%
Details

Special certificate; $100 minimum to open or earn dividends

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 14, 2026
Cloverbelt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
18-Month Certificate
$0
4.25% ▲ 1.44% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 1.44% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
18-Month CD
$500
4.25% ▲ 1.44% above Wisconsin avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wisconsin Average2.81%▲ 1.44% above avgNationally 2.88%
Details

Balanced Growth; Annual Percentage Yield accurate as of 10/13/2026; Not available for public units or Business CDs; Limited time offer

Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 14, 2026
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Jumbo Share or IRA Certificate (18 Month)
$10,000
4.20% ▲ 1.39% above Wisconsin avg
View
▼
Rate4.13%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.81%▲ 1.39% above avgNationally 2.88%
Details

Rate History
No change since Oct 5, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Oct 5, 2026: 4.20% APYOct 5, 2026Oct 14, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
18-month CD
$1,000
4.15% ▲ 1.34% above Wisconsin avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.81%▲ 1.34% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYSep 24, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded

Stevens Point 24 Month CD Rates

Wisconsin 24 Month CD Average2.89% APYNational 2.88%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
5517 Vern Holmes Dr, Stevens Point, WI 54482
Relationship CD - 24 Month
$0
4.50% ▲ 1.61% above Wisconsin avg
View
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.89%▲ 1.61% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
3.65%4.33%5.00%Sep 14, 2026: 4.15% APYSep 24, 2026: 4.50% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.50%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
5517 Vern Holmes Dr, Stevens Point, WI 54482
CD - 24 Month
$0
4.20% ▲ 1.31% above Wisconsin avg
View
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.89%▲ 1.31% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 14, 2026: 3.85% APYSep 24, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.20%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Central Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
2201 Division St, Stevens Point, WI 54481 3662
2 Year Share Certificate
$0
3.40% ▲ 0.51% above Wisconsin avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▲ 0.51% above avgNationally 2.88%
Details

Share Certificate; $40,000 minimum

Rate History
No change since Oct 13, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
24 Month IRA Certificates
$0
3.35% ▲ 0.46% above Wisconsin avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▲ 0.46% above avgNationally 2.88%
Details

Individual Retirement Account (IRA) with $250,000 minimum

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 7 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
24 Month Regular Certificate
$0
3.35% ▲ 0.46% above Wisconsin avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▲ 0.46% above avgNationally 2.88%
Details

Certificates with $250,000 Minimum

Rate History
No change since Oct 13, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 13, 2026: 3.35% APYOct 13, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
IRA Certificates - 24 Months
$0
3.35% ▲ 0.46% above Wisconsin avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▲ 0.46% above avgNationally 2.88%
Details

Individual Retirement Account (IRAs) With $250,000 Minimum

Rate History
No change since Oct 13, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 13, 2026: 3.35% APYOct 13, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
24 Month Certificates - Regular
$0
3.30% ▲ 0.41% above Wisconsin avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▲ 0.41% above avgNationally 2.88%
Details

Certificates with $10,000 Minimum; Open Account

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
24 Month IRA Certificates
$0
3.30% ▲ 0.41% above Wisconsin avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▲ 0.41% above avgNationally 2.88%
Details

Individual Retirement Account (IRA) with $10,000 minimum; Contact Us to Apply

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
IRA Certificates - 24 Months
$0
3.30% ▲ 0.41% above Wisconsin avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▲ 0.41% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 9, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 9, 2026: 3.30% APYOct 9, 2026Oct 14, 2026
Sentry Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
1800 N Point Dr, Stevens Point, WI 54481 1253
24 Month Term Share Certificate
$0
3.29% ▲ 0.40% above Wisconsin avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▲ 0.40% above avgNationally 2.88%
Details

Dividend Paid: Quarterly

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 6 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
24 Month Certificate - Regular
$0
3.25% ▲ 0.36% above Wisconsin avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▲ 0.36% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 13, 2026: 3.25% APYOct 13, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
24 Month IRA Certificates
$0
3.25% ▲ 0.36% above Wisconsin avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▲ 0.36% above avgNationally 2.88%
Details

Individual Retirement Account (IRAs)

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
IRA Certificates - 24 Months
$0
3.25% ▲ 0.36% above Wisconsin avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▲ 0.36% above avgNationally 2.88%
Details

Individual Retirement Account (IRAs)

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
Central Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
2201 Division St, Stevens Point, WI 54481 3662
2 Year Share Certificate
$0
3.20% ▲ 0.31% above Wisconsin avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▲ 0.31% above avgNationally 2.88%
Details

Share Certificate; $1,000 minimum

Rate History
No change since Oct 13, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 13, 2026: 3.20% APYOct 13, 2026Oct 14, 2026
Simplicity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.92%
3101 Hoover Rd, Stevens Point, WI 54481
24 Month Business Share Certificates
$250
3.00% ▲ 0.11% above Wisconsin avg
View
▼
Rate2.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▲ 0.11% above avgNationally 2.88%
Details

Dividend Paid: Quarterly

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 14, 2026
Simplicity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.92%
3101 Hoover Rd, Stevens Point, WI 54481
24 Month Share Certificate
$250
3.00% ▲ 0.11% above Wisconsin avg
View
▼
Rate2.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▲ 0.11% above avgNationally 2.88%
Details

Dividend paid: Quarterly

Rate History
No change since Oct 13, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 13, 2026: 3.00% APYOct 13, 2026Oct 14, 2026
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2940 Church St, Stevens Point, WI 54481
24 Month Share Certificates
$0
2.89% At Wisconsin avg
View
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%At the averageNationally 2.88%
Details

Penalty for early withdrawal

Rate History
No change since Oct 13, 2026 · 2.89% APY
2.39%2.89%3.39%Oct 13, 2026: 2.89% APYOct 13, 2026Oct 14, 2026
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2940 Church St, Stevens Point, WI 54481
Share Certificates - 24 Months
$0
2.89% At Wisconsin avg
View
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%At the averageNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 2.89% APY
2.39%2.89%3.39%Oct 13, 2026: 2.89% APYOct 13, 2026Oct 14, 2026
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2940 Church St, Stevens Point, WI 54481
IRA Certificates - 24 Months
$0
2.88% ▼ 0.01% below Wisconsin avg
View
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▼ 0.01% below avgNationally 2.88%
Details

Penalty for early withdrawal.

Rate History
No change since Oct 13, 2026 · 2.88% APY
2.38%2.88%3.38%Oct 13, 2026: 2.88% APYOct 13, 2026Oct 14, 2026
Peoples State Bank (WI)
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
138 Mcdill Ave, Stevens Point, WI 54481
24 Month CD
$2,500
2.75% ▼ 0.14% below Wisconsin avg
View
▼
Rate2.72%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.89%▼ 0.14% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 14, 2026
Pineries Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3601 Main St, Stevens Point, WI 54481
24 Month Certificate of Deposit
$1,000
2.75% ▼ 0.14% below Wisconsin avg
View
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.89%▼ 0.14% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 7, 2026: 2.75% APYOct 7, 2026Oct 14, 2026
First State Bank New London, WI
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
5500 Carrie Frost Dr, Stevens Point, WI 54482
CDs/IRAs - 24 Months
$500
1.56% ▼ 1.33% below Wisconsin avg
View
▼
Rate1.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.89%▼ 1.33% below avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 1.56% APY · checked 2 times
1.06%1.56%2.06%Oct 8, 2026: 1.56% APYOct 8, 2026Oct 14, 2026
Prevail Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
5709 Windy Dr, Stevens Point, WI 54482
24 Month Certificate
$1,000
1.15% ▼ 1.74% below Wisconsin avg
View
▼
Rate1.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.89%▼ 1.74% below avgNationally 2.88%
Details

Balance: $1,000 - $49,999.99

Rate History
No change since Sep 19, 2026 · 1.15% APY · checked 6 times
0.65%1.15%1.65%Sep 19, 2026: 1.15% APYSep 19, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1245 Main St, Stevens Point, WI 54481
24 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.14% below Wisconsin avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wisconsin Average2.89%▼ 2.14% below avgNationally 2.88%
Details

Minimum Balance To Obtain APY: $1,000; rates based on zip code

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1245 Main St, Stevens Point, WI 54481
24 Month Standard CD
$1,000
0.75% ▼ 2.14% below Wisconsin avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wisconsin Average2.89%▼ 2.14% below avgNationally 2.88%
Details

Balance: up to $100,000.00; Rates for ZIP code 60603

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
24 Month Certificate of Deposit (CD)
$0
4.52% ▲ 1.63% above Wisconsin avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▲ 1.63% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 21, 2026 · 4.52% → 4.52% ▼ 0.00 pts · high 4.52% / low 4.45%
3.95%4.48%5.02%Sep 21, 2026: 4.52% APYOct 5, 2026: 4.45% APYOct 13, 2026: 4.52% APYSep 21, 2026Oct 14, 2026
  • Oct 13, 20264.52%▲ from 4.45%
  • Oct 5, 20264.45%▼ from 4.52%
  • Sep 21, 20264.52%first recorded
The Bank of New Glarus
Institution Rating:
A-5.0 ★Texas Ratio: 15.01%
24 Month CD/IRA
$2,000
4.50% ▲ 1.61% above Wisconsin avg
View
▼
Rate4.43%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.89%▲ 1.61% above avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 4.50% APY · checked 7 times
4.00%4.50%5.00%Sep 19, 2026: 4.50% APYSep 19, 2026Oct 14, 2026
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
2 Year Certificate of Deposit
$0
4.45% ▲ 1.56% above Wisconsin avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▲ 1.56% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 4.45% APY
3.95%4.45%4.95%Oct 13, 2026: 4.45% APYOct 13, 2026Oct 14, 2026
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
2 Year IRA Certificate
$0
4.45% ▲ 1.56% above Wisconsin avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▲ 1.56% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 4.45% APY
3.95%4.45%4.95%Oct 13, 2026: 4.45% APYOct 13, 2026Oct 14, 2026
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Certificate of Deposit - 2 years
$0
4.45% ▲ 1.56% above Wisconsin avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▲ 1.56% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.24% → 4.45% ▲ 0.21 pts · high 4.45% / low 4.24%
3.74%4.35%4.95%Sep 14, 2026: 4.24% APYOct 13, 2026: 4.45% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.45%▲ from 4.24%
  • Sep 14, 20264.24%first recorded
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
IRA Certificate - 2 years
$0
4.45% ▲ 1.56% above Wisconsin avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▲ 1.56% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.24% → 4.45% ▲ 0.21 pts · high 4.45% / low 4.24%
3.74%4.35%4.95%Sep 14, 2026: 4.24% APYOct 13, 2026: 4.45% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.45%▲ from 4.24%
  • Sep 14, 20264.24%first recorded
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
2 Year Certificate
$0
4.40% ▲ 1.51% above Wisconsin avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.89%▲ 1.51% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Sep 18, 2026: 4.40% APYSep 18, 2026Oct 14, 2026
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
2 Year Open Certificate Account
$0
4.40% ▲ 1.51% above Wisconsin avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.89%▲ 1.51% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 7, 2026: 4.40% APYOct 7, 2026Oct 14, 2026
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
2-Year CD
$1,000
4.40% ▲ 1.51% above Wisconsin avg
View
▼
Rate4.33%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.89%▲ 1.51% above avgNationally 2.88%
Details

Rate History
No change since Sep 20, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Sep 20, 2026: 4.40% APYSep 20, 2026Oct 14, 2026
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
2-Year Choice Plus CD / IRA
$5,000
4.40% ▲ 1.51% above Wisconsin avg
View
▼
Rate4.33%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.89%▲ 1.51% above avgNationally 2.88%
Details

1 time rate bump. Additions of $500 or more at any time.

Rate History
No change since Sep 28, 2026 · 4.40% APY · checked 4 times
3.90%4.40%4.90%Sep 28, 2026: 4.40% APYSep 28, 2026Oct 14, 2026
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2 1/2 Year Certificate of Deposit
$500
4.35% ▲ 1.46% above Wisconsin avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.89%▲ 1.46% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 7, 2026: 4.35% APYOct 7, 2026Oct 14, 2026
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2 Year Certificate of Deposit
$500
4.35% ▲ 1.46% above Wisconsin avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.89%▲ 1.46% above avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 4.35% APY · checked 6 times
3.85%4.35%4.85%Sep 19, 2026: 4.35% APYSep 19, 2026Oct 14, 2026
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Jumbo Share or IRA Certificate (2 Year)
$10,000
4.35% ▲ 1.46% above Wisconsin avg
View
▼
Rate4.28%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▲ 1.46% above avgNationally 2.88%
Details

Rate History
No change since Oct 5, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 5, 2026: 4.35% APYOct 5, 2026Oct 14, 2026
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
24 Month Certificate
$0
4.30% ▲ 1.41% above Wisconsin avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.89%▲ 1.41% above avgNationally 2.88%
Details

$500 to $99,999.99

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 14, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
24-Month Traditional/Roth IRA CD
$50,000
4.28% ▲ 1.39% above Wisconsin avg
View
▼
Rate4.20%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▲ 1.39% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.28% ▲ 0.31 pts · high 4.28% / low 3.97%
3.47%4.13%4.78%Sep 14, 2026: 3.97% APYSep 29, 2026: 4.28% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.28%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 24-Month
$50,000
4.28% ▲ 1.39% above Wisconsin avg
View
▼
Rate4.20%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▲ 1.39% above avgNationally 2.88%
Details

Min balance tier: $50,000.00

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.28% ▲ 0.31 pts · high 4.28% / low 3.97%
3.47%4.13%4.78%Sep 14, 2026: 3.97% APYSep 29, 2026: 4.28% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.28%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
East Wisconsin Savings Bank
Institution Rating:
B-3.3 ★Texas Ratio: 0.83%
24 Month CD
$500
4.25% ▲ 1.36% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.89%▲ 1.36% above avgNationally 2.88%
Details

Renews to 30 mo

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.25% ▲ 0.45 pts · high 4.25% / low 3.80%
3.30%4.03%4.75%Sep 14, 2026: 3.80% APYSep 19, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Sep 19, 20264.25%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
State Bank of Chilton
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
24-Month Fixed Rate CD Special
$2,500
4.25% ▲ 1.36% above Wisconsin avg
View
▼
Rate4.21%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.89%▲ 1.36% above avgNationally 2.88%
Details

Rate History
1 change since Sep 20, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 20, 2026: 4.00% APYSep 24, 2026: 4.25% APYSep 20, 2026Oct 14, 2026
  • Sep 24, 20264.25%▲ from 4.00%
  • Sep 20, 20264.00%first recorded
Cloverbelt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
24-Month Certificate
$0
4.25% ▲ 1.36% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.89%▲ 1.36% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
24 Month Certificate
$500
4.25% ▲ 1.36% above Wisconsin avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wisconsin Average2.89%▲ 1.36% above avgNationally 2.88%
Details

IRA/HSA & Share Certificate; penalty for early withdrawal; minimum deposit $500 to open and earn dividends; Rate = dividend rate

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
3.65%4.20%4.75%Sep 14, 2026: 4.15% APYSep 27, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Sep 27, 20264.25%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
24-Month CD
$500
4.25% ▲ 1.36% above Wisconsin avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wisconsin Average2.89%▲ 1.36% above avgNationally 2.88%
Details

Long-Term Security; Annual Percentage Yield accurate as of 10/13/2026; Not available for public units or Business CDs; Limited-time offer

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.25%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 2 Year Certificate of Deposit
$100,000
4.20% ▲ 1.31% above Wisconsin avg
View
▼
Rate4.14%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.89%▲ 1.31% above avgNationally 2.88%
Details

Interest Compounded: Quarterly; Interest Credited: Quarterly

Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 8, 2026: 4.20% APYOct 8, 2026Oct 14, 2026
Port Washington State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
IRA Certificate 2 Year
$1
4.15% ▲ 1.26% above Wisconsin avg
View
▼
Rate4.09%
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.89%▲ 1.26% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 14, 2026
GreenLeaf Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
2 Year Certificate
$1,000
4.15% ▲ 1.26% above Wisconsin avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.89%▲ 1.26% above avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 19, 2026: 4.15% APYSep 19, 2026Oct 14, 2026
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 mo Certificate of Deposit
$500
4.13% ▲ 1.24% above Wisconsin avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.89%▲ 1.24% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 6 times
3.63%4.13%4.63%Sep 14, 2026: 4.13% APYSep 14, 2026Oct 14, 2026

Stevens Point 36 Month CD Rates

Wisconsin 36 Month CD Average2.86% APYNational 2.81%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
5517 Vern Holmes Dr, Stevens Point, WI 54482
Relationship CD - 36 Month
$0
4.60% ▲ 1.74% above Wisconsin avg
View
▼
Rate4.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.86%▲ 1.74% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
3.70%4.40%5.10%Sep 14, 2026: 4.20% APYSep 24, 2026: 4.60% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.60%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
5517 Vern Holmes Dr, Stevens Point, WI 54482
CD - 36 Month
$0
4.10% ▲ 1.24% above Wisconsin avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.86%▲ 1.24% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYSep 24, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Central Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
2201 Division St, Stevens Point, WI 54481 3662
3 Year Share Certificate
$0
3.50% ▲ 0.64% above Wisconsin avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▲ 0.64% above avgNationally 2.81%
Details

Share Certificate; $40,000 minimum

Rate History
No change since Oct 13, 2026 · 3.51% APY
3.01%3.51%4.01%Oct 13, 2026: 3.51% APYOct 13, 2026Oct 14, 2026
Sentry Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
1800 N Point Dr, Stevens Point, WI 54481 1253
3 Year Term Share Certificate
$0
3.49% ▲ 0.63% above Wisconsin avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▲ 0.63% above avgNationally 2.81%
Details

Dividend Paid: Quarterly

Rate History
No change since Sep 14, 2026 · 3.49% APY · checked 6 times
2.99%3.49%3.99%Sep 14, 2026: 3.49% APYSep 14, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
36 Month IRA Certificates
$0
3.35% ▲ 0.49% above Wisconsin avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▲ 0.49% above avgNationally 2.81%
Details

Individual Retirement Account (IRA) with $250,000 minimum

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 7 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
36 Month Regular Certificate
$0
3.35% ▲ 0.49% above Wisconsin avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▲ 0.49% above avgNationally 2.81%
Details

Certificates with $250,000 Minimum

Rate History
No change since Oct 13, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 13, 2026: 3.35% APYOct 13, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
IRA Certificates - 36 Months
$0
3.35% ▲ 0.49% above Wisconsin avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▲ 0.49% above avgNationally 2.81%
Details

Individual Retirement Account (IRAs) With $250,000 Minimum

Rate History
No change since Oct 13, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 13, 2026: 3.35% APYOct 13, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
36 Month Certificates - Regular
$0
3.30% ▲ 0.44% above Wisconsin avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▲ 0.44% above avgNationally 2.81%
Details

Certificates with $10,000 Minimum; Open Account

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
36 Month IRA Certificates
$0
3.30% ▲ 0.44% above Wisconsin avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▲ 0.44% above avgNationally 2.81%
Details

Individual Retirement Account (IRA) with $10,000 minimum; Contact Us to Apply

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
IRA Certificates - 36 Months
$0
3.30% ▲ 0.44% above Wisconsin avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▲ 0.44% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 9, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 9, 2026: 3.30% APYOct 9, 2026Oct 14, 2026
Central Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
2201 Division St, Stevens Point, WI 54481 3662
3 Year Share Certificate
$0
3.30% ▲ 0.44% above Wisconsin avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▲ 0.44% above avgNationally 2.81%
Details

Share Certificate; $1,000 minimum

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
36 Month Certificate - Regular
$0
3.25% ▲ 0.39% above Wisconsin avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▲ 0.39% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 13, 2026: 3.25% APYOct 13, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
36 Month IRA Certificates
$0
3.25% ▲ 0.39% above Wisconsin avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▲ 0.39% above avgNationally 2.81%
Details

Individual Retirement Account (IRAs)

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
IRA Certificates - 36 Months
$0
3.25% ▲ 0.39% above Wisconsin avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▲ 0.39% above avgNationally 2.81%
Details

Individual Retirement Account (IRAs)

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
Simplicity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.92%
3101 Hoover Rd, Stevens Point, WI 54481
36 Month Business Share Certificates
$250
3.25% ▲ 0.39% above Wisconsin avg
View
▼
Rate3.21%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▲ 0.39% above avgNationally 2.81%
Details

Dividend Paid: Quarterly

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
Simplicity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.92%
3101 Hoover Rd, Stevens Point, WI 54481
36 Month Share Certificate
$250
3.25% ▲ 0.39% above Wisconsin avg
View
▼
Rate3.21%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▲ 0.39% above avgNationally 2.81%
Details

Dividend paid: Quarterly

Rate History
No change since Oct 13, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 13, 2026: 3.25% APYOct 13, 2026Oct 14, 2026
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2940 Church St, Stevens Point, WI 54481
36 Month Share Certificates
$0
2.94% ▲ 0.08% above Wisconsin avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▲ 0.08% above avgNationally 2.81%
Details

Penalty for early withdrawal

Rate History
No change since Oct 13, 2026 · 2.94% APY
2.44%2.94%3.44%Oct 13, 2026: 2.94% APYOct 13, 2026Oct 14, 2026
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2940 Church St, Stevens Point, WI 54481
Share Certificates - 36 Months
$0
2.94% ▲ 0.08% above Wisconsin avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▲ 0.08% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 2.94% APY
2.44%2.94%3.44%Oct 13, 2026: 2.94% APYOct 13, 2026Oct 14, 2026
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2940 Church St, Stevens Point, WI 54481
IRA Certificates - 36 Months
$0
2.93% ▲ 0.07% above Wisconsin avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▲ 0.07% above avgNationally 2.81%
Details

Penalty for early withdrawal.

Rate History
No change since Oct 13, 2026 · 2.93% APY
2.43%2.93%3.43%Oct 13, 2026: 2.93% APYOct 13, 2026Oct 14, 2026
Pineries Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3601 Main St, Stevens Point, WI 54481
36 Month Certificate of Deposit
$1,000
2.80% ▼ 0.06% below Wisconsin avg
View
▼
Rate2.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.86%▼ 0.06% below avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 2.80% APY · checked 2 times
2.30%2.80%3.30%Oct 7, 2026: 2.80% APYOct 7, 2026Oct 14, 2026
Peoples State Bank (WI)
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
138 Mcdill Ave, Stevens Point, WI 54481
36 Month CD
$2,500
2.75% ▼ 0.11% below Wisconsin avg
View
▼
Rate2.72%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.86%▼ 0.11% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 14, 2026
Prevail Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
5709 Windy Dr, Stevens Point, WI 54482
36 Month Certificate
$1,000
2.12% ▼ 0.74% below Wisconsin avg
View
▼
Rate2.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.86%▼ 0.74% below avgNationally 2.81%
Details

Balance: $1,000 - $49,999.99

Rate History
No change since Sep 19, 2026 · 2.12% APY · checked 6 times
1.62%2.12%2.62%Sep 19, 2026: 2.12% APYSep 19, 2026Oct 14, 2026
First State Bank New London, WI
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
5500 Carrie Frost Dr, Stevens Point, WI 54482
CDs/IRAs - 36 Months
$500
1.61% ▼ 1.25% below Wisconsin avg
View
▼
Rate1.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.86%▼ 1.25% below avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 1.61% APY · checked 2 times
1.11%1.61%2.11%Oct 8, 2026: 1.61% APYOct 8, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1245 Main St, Stevens Point, WI 54481
36 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.11% below Wisconsin avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wisconsin Average2.86%▼ 2.11% below avgNationally 2.81%
Details

Minimum Balance To Obtain APY: $1,000; rates based on zip code

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1245 Main St, Stevens Point, WI 54481
36 Month Standard CD
$1,000
0.75% ▼ 2.11% below Wisconsin avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wisconsin Average2.86%▼ 2.11% below avgNationally 2.81%
Details

Balance: up to $100,000.00; Rates for ZIP code 60603

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
36-Month Teen Certificate Special
$500
5.13% ▲ 2.27% above Wisconsin avg
View
▼
Rate5.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▲ 2.27% above avgNationally 2.81%
Details

Ages: 13-15 years old; Minimum deposit of $500, Maximum $10,000; Effective Date: Tuesday, October 13th, 2026; Certificate must be in the minor's name; Cannot be opened as UTMA account

Rate History
No change since Oct 13, 2026 · 5.13% APY
4.63%5.13%5.63%Oct 13, 2026: 5.13% APYOct 13, 2026Oct 14, 2026
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3-Year CD
$1,000
4.50% ▲ 1.64% above Wisconsin avg
View
▼
Rate4.43%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.86%▲ 1.64% above avgNationally 2.81%
Details

Rate History
1 change since Sep 20, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 20, 2026: 4.00% APYOct 8, 2026: 4.50% APYSep 20, 2026Oct 14, 2026
  • Oct 8, 20264.50%▲ from 4.00%
  • Sep 20, 20264.00%first recorded
Farmers & Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Certificate - 10% New Money
$500
4.50% ▲ 1.64% above Wisconsin avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.86%▲ 1.64% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 12, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 12, 2026: 4.50% APYOct 12, 2026Oct 14, 2026
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
36 Month Certificate of Deposit, IRA, or HSA
$2,500
4.45% ▲ 1.59% above Wisconsin avg
View
▼
Rate4.40%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.86%▲ 1.59% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 4.45% APY
3.95%4.45%4.95%Oct 7, 2026: 4.45% APYOct 7, 2026Oct 14, 2026
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
HSA 36 Month Certificate of Deposit
$2,500
4.45% ▲ 1.59% above Wisconsin avg
View
▼
Rate4.40%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.86%▲ 1.59% above avgNationally 2.81%
Details

Certificate of Deposits, IRAs, and HSA**5

Rate History
No change since Sep 19, 2026 · 4.45% APY · checked 6 times
3.95%4.45%4.95%Sep 19, 2026: 4.45% APYSep 19, 2026Oct 14, 2026
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
3 Year Certificate
$0
4.40% ▲ 1.54% above Wisconsin avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.86%▲ 1.54% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Sep 18, 2026: 4.40% APYSep 18, 2026Oct 14, 2026
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
3 Year Open Certificate Account
$0
4.40% ▲ 1.54% above Wisconsin avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.86%▲ 1.54% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 7, 2026: 4.40% APYOct 7, 2026Oct 14, 2026
Farmers & Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Certificate
$500
4.40% ▲ 1.54% above Wisconsin avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.86%▲ 1.54% above avgNationally 2.81%
Details

10 for 10 Special; Certificates only (No IRA or HSA); Compounding: Annually

Rate History
No change since Oct 4, 2026 · 4.40% APY · checked 3 times
3.90%4.40%4.90%Oct 4, 2026: 4.40% APYOct 4, 2026Oct 14, 2026
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 mo Certificate of Deposit
$500
4.39% ▲ 1.53% above Wisconsin avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.86%▲ 1.53% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 14, 2026 · 4.39% APY · checked 6 times
3.89%4.39%4.89%Sep 14, 2026: 4.39% APYSep 14, 2026Oct 14, 2026
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Jumbo Share or IRA Certificate (3 Year)
$10,000
4.35% ▲ 1.49% above Wisconsin avg
View
▼
Rate4.28%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▲ 1.49% above avgNationally 2.81%
Details

Rate History
No change since Oct 5, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 5, 2026: 4.35% APYOct 5, 2026Oct 14, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
36-Month Traditional/Roth IRA CD
$50,000
4.33% ▲ 1.47% above Wisconsin avg
View
▼
Rate4.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▲ 1.47% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.33% ▲ 0.58 pts · high 4.33% / low 3.75%
3.17%4.04%4.91%Sep 14, 2026: 3.75% APYSep 29, 2026: 4.33% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.33%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 36-Month
$50,000
4.33% ▲ 1.47% above Wisconsin avg
View
▼
Rate4.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▲ 1.47% above avgNationally 2.81%
Details

Min balance tier: $50,000.00

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.33% ▲ 0.58 pts · high 4.33% / low 3.75%
3.17%4.04%4.91%Sep 14, 2026: 3.75% APYSep 29, 2026: 4.33% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.33%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 mo Certificate of Deposit
$500
4.30% ▲ 1.44% above Wisconsin avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.86%▲ 1.44% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 14, 2026 · 4.30% APY · checked 6 times
3.80%4.30%4.80%Sep 14, 2026: 4.30% APYSep 14, 2026Oct 14, 2026
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
3 Year Certificate of Deposit
$500
4.27% ▲ 1.41% above Wisconsin avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.86%▲ 1.41% above avgNationally 2.81%
Details

Rate History
No change since Sep 19, 2026 · 4.27% APY · checked 6 times
3.77%4.27%4.77%Sep 19, 2026: 4.27% APYSep 19, 2026Oct 14, 2026
Bank of Cashton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year CD
$1,000
4.20% ▲ 1.34% above Wisconsin avg
View
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.86%▲ 1.34% above avgNationally 2.81%
Details

A penalty of 182 days of interest may be imposed for all other CD terms unless specified differently. APY is subject to change without prior notice.

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.20% ▲ 0.75 pts · high 4.20% / low 3.45%
2.70%3.83%4.95%Sep 14, 2026: 3.45% APYOct 3, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20264.20%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 3 Year Certificate of Deposit
$100,000
4.20% ▲ 1.34% above Wisconsin avg
View
▼
Rate4.14%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.86%▲ 1.34% above avgNationally 2.81%
Details

Interest Compounded: Quarterly; Interest Credited: Quarterly

Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 8, 2026: 4.20% APYOct 8, 2026Oct 14, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
36-Month Traditional/Roth IRA CD
$500
4.18% ▲ 1.32% above Wisconsin avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▲ 1.32% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.18% ▲ 0.62 pts · high 4.18% / low 3.56%
2.94%3.87%4.80%Sep 14, 2026: 3.56% APYSep 29, 2026: 4.18% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.18%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 36-Month
$500
4.18% ▲ 1.32% above Wisconsin avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▲ 1.32% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.18% ▲ 0.62 pts · high 4.18% / low 3.56%
2.94%3.87%4.80%Sep 14, 2026: 3.56% APYSep 29, 2026: 4.18% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.18%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Meadowland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
Share Certificate - 3 Year
$0
4.15% ▲ 1.29% above Wisconsin avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▲ 1.29% above avgNationally 2.81%
Details

Early withdrawal penalty: 180 days; IRA Certificate available (term 1 year or greater)

Rate History
No change since Oct 13, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 13, 2026: 4.15% APYOct 13, 2026Oct 14, 2026
Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
Certificates - 36-Month
$250
4.06% ▲ 1.20% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.86%▲ 1.20% above avgNationally 2.81%
Details

Dividends Paid: Quarterly; $250 minimum to open

Rate History
No change since Oct 13, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 13, 2026: 4.06% APYOct 13, 2026Oct 14, 2026
Oostburg State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
36-Month CD
$1,000
4.04% ▲ 1.18% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.86%▲ 1.18% above avgNationally 2.81%
Details

Rate History
1 change since Sep 27, 2026 · 2.87% → 4.04% ▲ 1.17 pts · high 4.04% / low 2.87%
1.70%3.46%5.21%Sep 27, 2026: 2.87% APYOct 7, 2026: 4.04% APYSep 27, 2026Oct 14, 2026
  • Oct 7, 20264.04%▲ from 2.87%
  • Sep 27, 20262.87%first recorded
Bank Five Nine
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
36 Month CD / IRA
$1,000
4.00% ▲ 1.14% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.86%▲ 1.14% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 2.30% → 4.00% ▲ 1.70 pts · high 4.00% / low 2.30%
0.60%3.15%5.70%Sep 14, 2026: 2.30% APYOct 2, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 2, 20264.00%▲ from 2.30%
  • Sep 14, 20262.30%first recorded
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 3 Year Certificate of Deposit
$25,000
4.00% ▲ 1.14% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.86%▲ 1.14% above avgNationally 2.81%
Details

Interest Compounded: Quarterly; Interest Credited: Quarterly

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 14, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
36 Month Certificate
$500
4.00% ▲ 1.14% above Wisconsin avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wisconsin Average2.86%▲ 1.14% above avgNationally 2.81%
Details

IRA/HSA & Share Certificate; penalty for early withdrawal; minimum deposit $500 to open and earn dividends; Rate = dividend rate

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 1, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 1, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
36 Month IRA CD
$1,000
3.94% ▲ 1.08% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.86%▲ 1.08% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.94% APY · checked 7 times
3.44%3.94%4.44%Sep 14, 2026: 3.94% APYSep 14, 2026Oct 14, 2026

Stevens Point 48 Month CD Rates

Wisconsin 48 Month CD Average2.75% APYNational 2.80%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
5517 Vern Holmes Dr, Stevens Point, WI 54482
Relationship CD - 48 Month
$0
4.70% ▲ 1.95% above Wisconsin avg
View
▼
Rate4.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.75%▲ 1.95% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.70% ▲ 0.45 pts · high 4.70% / low 4.25%
3.75%4.48%5.20%Sep 14, 2026: 4.25% APYSep 24, 2026: 4.70% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.70%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
5517 Vern Holmes Dr, Stevens Point, WI 54482
CD - 48 Month
$0
4.20% ▲ 1.45% above Wisconsin avg
View
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.75%▲ 1.45% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 14, 2026: 3.75% APYSep 24, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.20%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Sentry Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
1800 N Point Dr, Stevens Point, WI 54481 1253
4 Year Term Share Certificate
$0
3.70% ▲ 0.95% above Wisconsin avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 0.95% above avgNationally 2.80%
Details

Dividend Paid: Quarterly

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
Central Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
2201 Division St, Stevens Point, WI 54481 3662
4 Year Share Certificate
$0
3.61% ▲ 0.86% above Wisconsin avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 0.86% above avgNationally 2.80%
Details

Share Certificate; $40,000 minimum

Rate History
No change since Oct 13, 2026 · 3.61% APY
3.11%3.61%4.11%Oct 13, 2026: 3.61% APYOct 13, 2026Oct 14, 2026
Central Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
2201 Division St, Stevens Point, WI 54481 3662
4 Year Share Certificate
$0
3.40% ▲ 0.65% above Wisconsin avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 0.65% above avgNationally 2.80%
Details

Share Certificate; $1,000 minimum

Rate History
No change since Oct 13, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
48 Month IRA Certificates
$0
3.35% ▲ 0.60% above Wisconsin avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 0.60% above avgNationally 2.80%
Details

Individual Retirement Account (IRA) with $250,000 minimum

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 7 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
48 Month Regular Certificate
$0
3.35% ▲ 0.60% above Wisconsin avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 0.60% above avgNationally 2.80%
Details

Certificates with $250,000 Minimum

Rate History
No change since Oct 13, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 13, 2026: 3.35% APYOct 13, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
IRA Certificates - 48 Months
$0
3.35% ▲ 0.60% above Wisconsin avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 0.60% above avgNationally 2.80%
Details

Individual Retirement Account (IRAs) With $250,000 Minimum

Rate History
No change since Oct 13, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 13, 2026: 3.35% APYOct 13, 2026Oct 14, 2026
Simplicity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.92%
3101 Hoover Rd, Stevens Point, WI 54481
48 Month Business Share Certificates
$250
3.35% ▲ 0.60% above Wisconsin avg
View
▼
Rate3.31%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 0.60% above avgNationally 2.80%
Details

Dividend Paid: Quarterly

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 14, 2026
Simplicity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.92%
3101 Hoover Rd, Stevens Point, WI 54481
48 Month Share Certificate
$250
3.35% ▲ 0.60% above Wisconsin avg
View
▼
Rate3.31%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 0.60% above avgNationally 2.80%
Details

Dividend paid: Quarterly

Rate History
No change since Oct 13, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 13, 2026: 3.35% APYOct 13, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
48 Month Certificates - Regular
$0
3.30% ▲ 0.55% above Wisconsin avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 0.55% above avgNationally 2.80%
Details

Certificates with $10,000 Minimum; Open Account

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
48 Month IRA Certificates
$0
3.30% ▲ 0.55% above Wisconsin avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 0.55% above avgNationally 2.80%
Details

Individual Retirement Account (IRA) with $10,000 minimum; Contact Us to Apply

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
IRA Certificates - 48 Months
$0
3.30% ▲ 0.55% above Wisconsin avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 0.55% above avgNationally 2.80%
Details

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

Rate History
No change since Oct 9, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 9, 2026: 3.30% APYOct 9, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
48 Month Certificate - Regular
$0
3.25% ▲ 0.50% above Wisconsin avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 0.50% above avgNationally 2.80%
Details

Rate History
No change since Oct 13, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 13, 2026: 3.25% APYOct 13, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
48 Month IRA Certificates
$0
3.25% ▲ 0.50% above Wisconsin avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 0.50% above avgNationally 2.80%
Details

Individual Retirement Account (IRAs)

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
IRA Certificates - 48 Months
$0
3.25% ▲ 0.50% above Wisconsin avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 0.50% above avgNationally 2.80%
Details

Individual Retirement Account (IRAs)

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
Peoples State Bank (WI)
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
138 Mcdill Ave, Stevens Point, WI 54481
48 Month CD
$2,500
3.00% ▲ 0.25% above Wisconsin avg
View
▼
Rate2.96%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.75%▲ 0.25% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 14, 2026
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2940 Church St, Stevens Point, WI 54481
48 Month Share Certificates
$0
2.99% ▲ 0.24% above Wisconsin avg
View
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 0.24% above avgNationally 2.80%
Details

Penalty for early withdrawal

Rate History
No change since Oct 13, 2026 · 2.99% APY
2.49%2.99%3.49%Oct 13, 2026: 2.99% APYOct 13, 2026Oct 14, 2026
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2940 Church St, Stevens Point, WI 54481
Share Certificates - 48 Months
$0
2.99% ▲ 0.24% above Wisconsin avg
View
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 0.24% above avgNationally 2.80%
Details

Rate History
No change since Oct 13, 2026 · 2.99% APY
2.49%2.99%3.49%Oct 13, 2026: 2.99% APYOct 13, 2026Oct 14, 2026
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2940 Church St, Stevens Point, WI 54481
IRA Certificates - 48 Months
$0
2.98% ▲ 0.23% above Wisconsin avg
View
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 0.23% above avgNationally 2.80%
Details

Penalty for early withdrawal.

Rate History
No change since Oct 13, 2026 · 2.98% APY
2.48%2.98%3.48%Oct 13, 2026: 2.98% APYOct 13, 2026Oct 14, 2026
Pineries Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3601 Main St, Stevens Point, WI 54481
48 Month Certificate of Deposit
$1,000
2.85% ▲ 0.10% above Wisconsin avg
View
▼
Rate2.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.75%▲ 0.10% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 2.85% APY · checked 2 times
2.35%2.85%3.35%Oct 7, 2026: 2.85% APYOct 7, 2026Oct 14, 2026
Prevail Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
5709 Windy Dr, Stevens Point, WI 54482
48 Month Certificate
$1,000
2.22% ▼ 0.53% below Wisconsin avg
View
▼
Rate2.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.75%▼ 0.53% below avgNationally 2.80%
Details

Balance: $1,000 - $49,999.99

Rate History
No change since Sep 19, 2026 · 2.22% APY · checked 6 times
1.72%2.22%2.72%Sep 19, 2026: 2.22% APYSep 19, 2026Oct 14, 2026
First State Bank New London, WI
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
5500 Carrie Frost Dr, Stevens Point, WI 54482
CDs/IRAs - 48 Months
$500
1.66% ▼ 1.09% below Wisconsin avg
View
▼
Rate1.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.75%▼ 1.09% below avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 1.66% APY · checked 2 times
1.16%1.66%2.16%Oct 8, 2026: 1.66% APYOct 8, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1245 Main St, Stevens Point, WI 54481
48 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.00% below Wisconsin avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wisconsin Average2.75%▼ 2.00% below avgNationally 2.80%
Details

Minimum Balance To Obtain APY: $1,000; rates based on zip code

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1245 Main St, Stevens Point, WI 54481
48 Month Standard CD
$1,000
0.75% ▼ 2.00% below Wisconsin avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wisconsin Average2.75%▼ 2.00% below avgNationally 2.80%
Details

Balance: up to $100,000.00; Rates for ZIP code 60603

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
4 Year Certificate
$0
4.40% ▲ 1.65% above Wisconsin avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.75%▲ 1.65% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Sep 18, 2026: 4.40% APYSep 18, 2026Oct 14, 2026
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
4 Year Open Certificate Account
$0
4.40% ▲ 1.65% above Wisconsin avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.75%▲ 1.65% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 7, 2026: 4.40% APYOct 7, 2026Oct 14, 2026
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Jumbo Share or IRA Certificate (4 Year)
$10,000
4.40% ▲ 1.65% above Wisconsin avg
View
▼
Rate4.33%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 1.65% above avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 3 times
3.90%4.40%4.90%Oct 5, 2026: 4.40% APYOct 5, 2026Oct 14, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
48-Month Traditional/Roth IRA CD
$50,000
4.39% ▲ 1.64% above Wisconsin avg
View
▼
Rate4.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 1.64% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.76% → 4.39% ▲ 0.63 pts · high 4.39% / low 3.76%
3.13%4.07%5.02%Sep 14, 2026: 3.76% APYSep 29, 2026: 4.39% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.39%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 48-Month
$50,000
4.39% ▲ 1.64% above Wisconsin avg
View
▼
Rate4.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 1.64% above avgNationally 2.80%
Details

Min balance tier: $50,000.00

Rate History
1 change since Sep 14, 2026 · 3.76% → 4.39% ▲ 0.63 pts · high 4.39% / low 3.76%
3.13%4.07%5.02%Sep 14, 2026: 3.76% APYSep 29, 2026: 4.39% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.39%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Meadowland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
Share Certificate - 4 Year
$0
4.35% ▲ 1.60% above Wisconsin avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 1.60% above avgNationally 2.80%
Details

Early withdrawal penalty: 365 days; IRA Certificate available (term 1 year or greater)

Rate History
No change since Oct 13, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 13, 2026: 4.35% APYOct 13, 2026Oct 14, 2026
Bank Five Nine
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
48 Month CD / IRA
$1,000
4.25% ▲ 1.50% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.75%▲ 1.50% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 2.40% → 4.25% ▲ 1.85 pts · high 4.25% / low 2.40%
0.55%3.32%6.10%Sep 14, 2026: 2.40% APYOct 2, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 2, 20264.25%▲ from 2.40%
  • Sep 14, 20262.40%first recorded
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 4 Year Certificate of Deposit
$100,000
4.25% ▲ 1.50% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.75%▲ 1.50% above avgNationally 2.80%
Details

Interest Compounded: Quarterly; Interest Credited: Quarterly

Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 14, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
48-Month Traditional/Roth IRA CD
$500
4.23% ▲ 1.48% above Wisconsin avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 1.48% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.61% → 4.23% ▲ 0.62 pts · high 4.23% / low 3.61%
2.99%3.92%4.85%Sep 14, 2026: 3.61% APYSep 29, 2026: 4.23% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.23%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 48-Month
$500
4.23% ▲ 1.48% above Wisconsin avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 1.48% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.61% → 4.23% ▲ 0.62 pts · high 4.23% / low 3.61%
2.99%3.92%4.85%Sep 14, 2026: 3.61% APYSep 29, 2026: 4.23% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.23%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Bank of Cashton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4 Year IRA CD
$25,000
4.20% ▲ 1.45% above Wisconsin avg
View
▼
Rate4.14%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.75%▲ 1.45% above avgNationally 2.80%
Details

A penalty of 182 days of interest may be imposed for all other CD terms unless specified differently. APY is subject to change without prior notice.

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 14, 2026: 3.85% APYOct 3, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20264.20%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
PCM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
48 Month Share Certificates
$0
4.15% ▲ 1.40% above Wisconsin avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 1.40% above avgNationally 2.80%
Details

Includes Roth and Traditional Share IRAs; early withdrawal penalty: 180 days of dividend if over 1 year

Rate History
No change since Oct 13, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 13, 2026: 4.15% APYOct 13, 2026Oct 14, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
Jumbo Individual Retirement Account Certificates - 48-month
$0
4.15% ▲ 1.40% above Wisconsin avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 1.40% above avgNationally 2.80%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.40% → 4.15% ▲ 0.75 pts · high 4.15% / low 3.40%
2.65%3.78%4.90%Sep 14, 2026: 3.40% APYOct 5, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.15%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
Certificates - 48-Month
$250
4.13% ▲ 1.38% above Wisconsin avg
View
▼
Rate4.07%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 1.38% above avgNationally 2.80%
Details

Dividends Paid: Quarterly; $250 minimum to open

Rate History
No change since Oct 13, 2026 · 4.13% APY
3.63%4.13%4.63%Oct 13, 2026: 4.13% APYOct 13, 2026Oct 14, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
Individual Retirement Account Certificates - 48-month IRA
$0
4.10% ▲ 1.35% above Wisconsin avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 1.35% above avgNationally 2.80%
Details

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

Rate History
No change since Oct 13, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 13, 2026: 4.10% APYOct 13, 2026Oct 14, 2026
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 4 Year Certificate of Deposit
$25,000
4.05% ▲ 1.30% above Wisconsin avg
View
▼
Rate3.99%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.75%▲ 1.30% above avgNationally 2.80%
Details

Interest Compounded: Quarterly; Interest Credited: Quarterly

Rate History
No change since Oct 8, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 8, 2026: 4.05% APYOct 8, 2026Oct 14, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
48 Month Jumbo Certificates
$0
4.05% ▲ 1.30% above Wisconsin avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.75%▲ 1.30% above avgNationally 2.80%
Details

Penalty may be imposed for early withdrawal and subject to account closure. APY current as of 10/01/2026.

Rate History
1 change since Sep 22, 2026 · 3.30% → 4.05% ▲ 0.75 pts · high 4.05% / low 3.30%
2.55%3.68%4.80%Sep 22, 2026: 3.30% APYOct 13, 2026: 4.05% APYSep 22, 2026Oct 14, 2026
  • Oct 13, 20264.05%▲ from 3.30%
  • Sep 22, 20263.30%first recorded
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
4-Year CD
$1,000
4.00% ▲ 1.25% above Wisconsin avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.75%▲ 1.25% above avgNationally 2.80%
Details

Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 20, 2026: 4.00% APYSep 20, 2026Oct 14, 2026
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
48 Month IRA CD
$1,000
3.99% ▲ 1.24% above Wisconsin avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.75%▲ 1.24% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.99% APY · checked 7 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APYSep 14, 2026Oct 14, 2026
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
48 Month Certificate
$0
3.96% ▲ 1.21% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.75%▲ 1.21% above avgNationally 2.80%
Details

Balance: $35,000+

Rate History
1 change since Sep 14, 2026 · 3.44% → 3.96% ▲ 0.52 pts · high 3.96% / low 3.44%
2.92%3.70%4.48%Sep 14, 2026: 3.44% APYSep 27, 2026: 3.96% APYSep 14, 2026Oct 14, 2026
  • Sep 27, 20263.96%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 4 Year Certificate of Deposit
$1,000
3.95% ▲ 1.20% above Wisconsin avg
View
▼
Rate3.89%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.75%▲ 1.20% above avgNationally 2.80%
Details

Interest Compounded: Quarterly; Interest Credited: Quarterly

Rate History
No change since Oct 8, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 8, 2026: 3.95% APYOct 8, 2026Oct 14, 2026
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
48 Month CD
$1,000
3.94% ▲ 1.19% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.75%▲ 1.19% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.94% APY · checked 3 times
3.44%3.94%4.44%Sep 14, 2026: 3.94% APYSep 14, 2026Oct 14, 2026
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
48 Month HSA CD
$1,000
3.94% ▲ 1.19% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.75%▲ 1.19% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.94% APY · checked 7 times
3.44%3.94%4.44%Sep 14, 2026: 3.94% APYSep 14, 2026Oct 14, 2026
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4 Year Certificate of Deposit
$500
3.90% ▲ 1.15% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.75%▲ 1.15% above avgNationally 2.80%
Details

Rate History
1 change since Sep 19, 2026 · 3.75% → 3.90% ▲ 0.15 pts · high 3.90% / low 3.75%
3.25%3.83%4.40%Sep 19, 2026: 3.75% APYOct 7, 2026: 3.90% APYSep 19, 2026Oct 14, 2026
  • Oct 7, 20263.90%▲ from 3.75%
  • Sep 19, 20263.75%first recorded
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4 Year IRA
$0
3.90% ▲ 1.15% above Wisconsin avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.75%▲ 1.15% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.90% ▲ 0.15 pts · high 3.90% / low 3.75%
3.25%3.83%4.40%Sep 14, 2026: 3.75% APYOct 3, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20263.90%▲ from 3.75%
  • Sep 14, 20263.75%first recorded

Stevens Point 60 Month CD Rates

Wisconsin 60 Month CD Average2.98% APYNational 2.91%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
5517 Vern Holmes Dr, Stevens Point, WI 54482
Relationship CD - 60 Month
$0
4.75% ▲ 1.77% above Wisconsin avg
View
▼
Rate4.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.98%▲ 1.77% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%
3.85%4.55%5.25%Sep 14, 2026: 4.35% APYSep 24, 2026: 4.75% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.75%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
5517 Vern Holmes Dr, Stevens Point, WI 54482
CD - 60 Month
$0
4.25% ▲ 1.27% above Wisconsin avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.98%▲ 1.27% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 14, 2026: 3.85% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.25%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Sentry Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
1800 N Point Dr, Stevens Point, WI 54481 1253
5 Year Term Share Certificate
$0
3.80% ▲ 0.82% above Wisconsin avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 0.82% above avgNationally 2.91%
Details

Dividend Paid: Quarterly

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
Central Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
2201 Division St, Stevens Point, WI 54481 3662
5 Year Share Certificate
$0
3.71% ▲ 0.73% above Wisconsin avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 0.73% above avgNationally 2.91%
Details

Share Certificate; $40,000 minimum

Rate History
No change since Oct 13, 2026 · 3.71% APY
3.21%3.71%4.21%Oct 13, 2026: 3.71% APYOct 13, 2026Oct 14, 2026
Central Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
2201 Division St, Stevens Point, WI 54481 3662
5 Year Share Certificate
$0
3.50% ▲ 0.52% above Wisconsin avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 0.52% above avgNationally 2.91%
Details

Share Certificate; $1,000 minimum

Rate History
No change since Oct 13, 2026 · 3.51% APY
3.01%3.51%4.01%Oct 13, 2026: 3.51% APYOct 13, 2026Oct 14, 2026
Simplicity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.92%
3101 Hoover Rd, Stevens Point, WI 54481
60 Month Business Share Certificates
$250
3.44% ▲ 0.46% above Wisconsin avg
View
▼
Rate3.40%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 0.46% above avgNationally 2.91%
Details

Dividend Paid: Quarterly

Rate History
No change since Sep 18, 2026 · 3.44% APY · checked 5 times
2.94%3.44%3.94%Sep 18, 2026: 3.44% APYSep 18, 2026Oct 14, 2026
Simplicity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.92%
3101 Hoover Rd, Stevens Point, WI 54481
60 Month Share Certificate
$250
3.44% ▲ 0.46% above Wisconsin avg
View
▼
Rate3.40%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 0.46% above avgNationally 2.91%
Details

Dividend paid: Quarterly

Rate History
No change since Oct 13, 2026 · 3.44% APY
2.94%3.44%3.94%Oct 13, 2026: 3.44% APYOct 13, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
60 Month IRA Certificates
$0
3.35% ▲ 0.37% above Wisconsin avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 0.37% above avgNationally 2.91%
Details

Individual Retirement Account (IRA) with $250,000 minimum

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 7 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
60 Month Regular Certificate
$0
3.35% ▲ 0.37% above Wisconsin avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 0.37% above avgNationally 2.91%
Details

Certificates with $250,000 Minimum

Rate History
No change since Oct 13, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 13, 2026: 3.35% APYOct 13, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
IRA Certificates - 60 Months
$0
3.35% ▲ 0.37% above Wisconsin avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 0.37% above avgNationally 2.91%
Details

Individual Retirement Account (IRAs) With $250,000 Minimum

Rate History
No change since Oct 13, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 13, 2026: 3.35% APYOct 13, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
60 Month Certificates - Regular
$0
3.30% ▲ 0.32% above Wisconsin avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 0.32% above avgNationally 2.91%
Details

Certificates with $10,000 Minimum; Open Account

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
60 Month IRA Certificates
$0
3.30% ▲ 0.32% above Wisconsin avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 0.32% above avgNationally 2.91%
Details

Individual Retirement Account (IRA) with $10,000 minimum; Contact Us to Apply

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
IRA Certificates - 60 Months
$0
3.30% ▲ 0.32% above Wisconsin avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 0.32% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 9, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 9, 2026: 3.30% APYOct 9, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
60 Month Certificate - Regular
$0
3.25% ▲ 0.27% above Wisconsin avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 0.27% above avgNationally 2.91%
Details

Rate History
No change since Oct 13, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 13, 2026: 3.25% APYOct 13, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
60 Month IRA Certificates
$0
3.25% ▲ 0.27% above Wisconsin avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 0.27% above avgNationally 2.91%
Details

Individual Retirement Account (IRAs)

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
809 Division St, Stevens Point, WI 54481
IRA Certificates - 60 Months
$0
3.25% ▲ 0.27% above Wisconsin avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 0.27% above avgNationally 2.91%
Details

Individual Retirement Account (IRAs)

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2940 Church St, Stevens Point, WI 54481
60 Month Share Certificates
$0
3.04% ▲ 0.06% above Wisconsin avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 0.06% above avgNationally 2.91%
Details

Penalty for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.04% APY
2.54%3.04%3.54%Oct 13, 2026: 3.04% APYOct 13, 2026Oct 14, 2026
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2940 Church St, Stevens Point, WI 54481
Share Certificates - 60 Months
$0
3.04% ▲ 0.06% above Wisconsin avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 0.06% above avgNationally 2.91%
Details

Rate History
No change since Oct 13, 2026 · 3.04% APY
2.54%3.04%3.54%Oct 13, 2026: 3.04% APYOct 13, 2026Oct 14, 2026
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2940 Church St, Stevens Point, WI 54481
IRA Certificates - 60 Months
$0
3.03% ▲ 0.05% above Wisconsin avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 0.05% above avgNationally 2.91%
Details

Penalty for early withdrawal.

Rate History
No change since Oct 13, 2026 · 3.03% APY
2.53%3.03%3.53%Oct 13, 2026: 3.03% APYOct 13, 2026Oct 14, 2026
Peoples State Bank (WI)
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
138 Mcdill Ave, Stevens Point, WI 54481
60 Month CD
$2,500
3.00% ▲ 0.02% above Wisconsin avg
View
▼
Rate2.96%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.98%▲ 0.02% above avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 14, 2026
Pineries Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3601 Main St, Stevens Point, WI 54481
60 Month Certificate of Deposit
$1,000
2.90% ▼ 0.08% below Wisconsin avg
View
▼
Rate2.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.98%▼ 0.08% below avgNationally 2.91%
Details

Rate History
No change since Oct 7, 2026 · 2.90% APY · checked 2 times
2.40%2.90%3.40%Oct 7, 2026: 2.90% APYOct 7, 2026Oct 14, 2026
Prevail Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
5709 Windy Dr, Stevens Point, WI 54482
60 Month Certificate
$1,000
2.27% ▼ 0.71% below Wisconsin avg
View
▼
Rate2.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.98%▼ 0.71% below avgNationally 2.91%
Details

Balance: $1,000 - $49,999.99

Rate History
No change since Sep 19, 2026 · 2.27% APY · checked 6 times
1.77%2.27%2.77%Sep 19, 2026: 2.27% APYSep 19, 2026Oct 14, 2026
First State Bank New London, WI
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
5500 Carrie Frost Dr, Stevens Point, WI 54482
CDs/IRAs - 60 Months
$500
1.71% ▼ 1.27% below Wisconsin avg
View
▼
Rate1.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.98%▼ 1.27% below avgNationally 2.91%
Details

Rate History
No change since Oct 8, 2026 · 1.71% APY · checked 2 times
1.21%1.71%2.21%Oct 8, 2026: 1.71% APYOct 8, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1245 Main St, Stevens Point, WI 54481
60 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.23% below Wisconsin avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wisconsin Average2.98%▼ 2.23% below avgNationally 2.91%
Details

Minimum Balance To Obtain APY: $1,000; rates based on zip code

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1245 Main St, Stevens Point, WI 54481
60 Month Standard CD
$1,000
0.75% ▼ 2.23% below Wisconsin avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wisconsin Average2.98%▼ 2.23% below avgNationally 2.91%
Details

Balance: up to $100,000.00; Rates for ZIP code 60603

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
Certificates - 60-Month
$250
5.15% ▲ 2.17% above Wisconsin avg
View
▼
Rate5.05%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 2.17% above avgNationally 2.91%
Details

Dividends Paid: Quarterly; $250 minimum to open

Rate History
No change since Oct 13, 2026 · 5.15% APY
4.65%5.15%5.65%Oct 13, 2026: 5.15% APYOct 13, 2026Oct 14, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
Jumbo Individual Retirement Account Certificates - 60-month
$0
4.66% ▲ 1.68% above Wisconsin avg
View
▼
Rate4.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 1.68% above avgNationally 2.91%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.66% ▲ 1.01 pts · high 4.66% / low 3.65%
2.64%4.15%5.67%Sep 14, 2026: 3.65% APYOct 5, 2026: 4.66% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.66%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
Individual Retirement Account Certificates - 60-month IRA
$0
4.61% ▲ 1.63% above Wisconsin avg
View
▼
Rate4.53%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 1.63% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 13, 2026 · 4.61% APY
4.11%4.61%5.11%Oct 13, 2026: 4.61% APYOct 13, 2026Oct 14, 2026
1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
60-Month Youth Certificate Special
$500
4.60% ▲ 1.62% above Wisconsin avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 1.62% above avgNationally 2.91%
Details

Age: 0-12 years old; Minimum deposit of $500, Maximum $10,000; Effective Date: Tuesday, October 13th, 2026; Certificate must be in the minor's name; Cannot be opened as UTMA account

Rate History
No change since Oct 13, 2026 · 4.60% APY
4.10%4.60%5.10%Oct 13, 2026: 4.60% APYOct 13, 2026Oct 14, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
60 Month Jumbo Certificates
$0
4.55% ▲ 1.57% above Wisconsin avg
View
▼
Rate4.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 1.57% above avgNationally 2.91%
Details

Penalty may be imposed for early withdrawal and subject to account closure. APY current as of 10/01/2026.

Rate History
1 change since Sep 22, 2026 · 3.55% → 4.55% ▲ 1.00 pts · high 4.55% / low 3.55%
2.55%4.05%5.55%Sep 22, 2026: 3.55% APYOct 13, 2026: 4.55% APYSep 22, 2026Oct 14, 2026
  • Oct 13, 20264.55%▲ from 3.55%
  • Sep 22, 20263.55%first recorded
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 mo Certificate of Deposit
$500
4.54% ▲ 1.56% above Wisconsin avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.98%▲ 1.56% above avgNationally 2.91%
Details

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

Rate History
No change since Sep 14, 2026 · 4.54% APY · checked 6 times
4.04%4.54%5.04%Sep 14, 2026: 4.54% APYSep 14, 2026Oct 14, 2026
Bank Five Nine
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
60 Month CD / IRA
$1,000
4.50% ▲ 1.52% above Wisconsin avg
View
▼
Rate4.43%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.98%▲ 1.52% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 2.50% → 4.50% ▲ 2.00 pts · high 4.50% / low 2.50%
0.50%3.50%6.50%Sep 14, 2026: 2.50% APYOct 2, 2026: 4.50% APYSep 14, 2026Oct 14, 2026
  • Oct 2, 20264.50%▲ from 2.50%
  • Sep 14, 20262.50%first recorded
Meadowland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
Share Certificate - 5 Year
$0
4.50% ▲ 1.52% above Wisconsin avg
View
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 1.52% above avgNationally 2.91%
Details

Early withdrawal penalty: 365 days; IRA Certificate available (term 1 year or greater)

Rate History
No change since Oct 13, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 14, 2026
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
60 Month Certificates
$0
4.50% ▲ 1.52% above Wisconsin avg
View
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 1.52% above avgNationally 2.91%
Details

Penalty may be imposed for early withdrawal and subject to account closure; APY is current as of 10/01/2026

Rate History
1 change since Sep 18, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
2.50%4.00%5.50%Sep 18, 2026: 3.50% APYOct 13, 2026: 4.50% APYSep 18, 2026Oct 14, 2026
  • Oct 13, 20264.50%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 mo Certificate of Deposit
$500
4.45% ▲ 1.47% above Wisconsin avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.98%▲ 1.47% above avgNationally 2.91%
Details

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

Rate History
No change since Sep 14, 2026 · 4.45% APY · checked 6 times
3.95%4.45%4.95%Sep 14, 2026: 4.45% APYSep 14, 2026Oct 14, 2026
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Jumbo Share or IRA Certificate (5 Year)
$10,000
4.45% ▲ 1.47% above Wisconsin avg
View
▼
Rate4.38%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 1.47% above avgNationally 2.91%
Details

Rate History
No change since Oct 5, 2026 · 4.45% APY · checked 3 times
3.95%4.45%4.95%Oct 5, 2026: 4.45% APYOct 5, 2026Oct 14, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
60-Month Traditional/Roth IRA CD
$50,000
4.44% ▲ 1.46% above Wisconsin avg
View
▼
Rate4.35%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 1.46% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.76% → 4.44% ▲ 0.68 pts · high 4.44% / low 3.76%
3.08%4.10%5.12%Sep 14, 2026: 3.76% APYSep 29, 2026: 4.44% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.44%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 60-Month
$50,000
4.44% ▲ 1.46% above Wisconsin avg
View
▼
Rate4.35%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 1.46% above avgNationally 2.91%
Details

Min balance tier: $50,000.00

Rate History
1 change since Sep 14, 2026 · 3.61% → 4.44% ▲ 0.83 pts · high 4.44% / low 3.61%
2.78%4.03%5.27%Sep 14, 2026: 3.61% APYSep 29, 2026: 4.44% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.44%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
5 Year Certificate
$0
4.40% ▲ 1.42% above Wisconsin avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.98%▲ 1.42% above avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Sep 18, 2026: 4.40% APYSep 18, 2026Oct 14, 2026
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
5 Year Open Certificate Account
$0
4.40% ▲ 1.42% above Wisconsin avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.98%▲ 1.42% above avgNationally 2.91%
Details

Rate History
No change since Oct 7, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 7, 2026: 4.40% APYOct 7, 2026Oct 14, 2026
Bank of Cashton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year CD
$5,000
4.30% ▲ 1.32% above Wisconsin avg
View
▼
Rate4.23%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wisconsin Average2.98%▲ 1.32% above avgNationally 2.91%
Details

A penalty of 182 days of interest may be imposed for all other CD terms unless specified differently. APY is subject to change without prior notice.

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.30% ▲ 0.80 pts · high 4.30% / low 3.50%
2.70%3.90%5.10%Sep 14, 2026: 3.50% APYOct 3, 2026: 4.30% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20264.30%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 5 Year Certificate of Deposit
$100,000
4.30% ▲ 1.32% above Wisconsin avg
View
▼
Rate4.23%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.98%▲ 1.32% above avgNationally 2.91%
Details

Interest Compounded: Quarterly; Interest Credited: Quarterly

Rate History
No change since Oct 8, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 8, 2026: 4.30% APYOct 8, 2026Oct 14, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
60-Month Traditional/Roth IRA CD
$500
4.28% ▲ 1.30% above Wisconsin avg
View
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 1.30% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.61% → 4.28% ▲ 0.67 pts · high 4.28% / low 3.61%
2.94%3.95%4.95%Sep 14, 2026: 3.61% APYSep 29, 2026: 4.28% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.28%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit (CD) - 60-Month
$500
4.28% ▲ 1.30% above Wisconsin avg
View
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 1.30% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.61% → 4.28% ▲ 0.67 pts · high 4.28% / low 3.61%
2.94%3.95%4.95%Sep 14, 2026: 3.61% APYSep 29, 2026: 4.28% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.28%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
PCM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
60 Month Share Certificates
$0
4.15% ▲ 1.17% above Wisconsin avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 1.17% above avgNationally 2.91%
Details

Includes Roth and Traditional Share IRAs; early withdrawal penalty: 180 days of dividend if over 1 year

Rate History
No change since Oct 13, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 13, 2026: 4.15% APYOct 13, 2026Oct 14, 2026
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
Business 5 Year Certificate of Deposit
$25,000
4.10% ▲ 1.12% above Wisconsin avg
View
▼
Rate4.04%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.98%▲ 1.12% above avgNationally 2.91%
Details

Interest Compounded: Quarterly; Interest Credited: Quarterly

Rate History
No change since Oct 8, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 8, 2026: 4.10% APYOct 8, 2026Oct 14, 2026
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
60 Month IRA CD
$1,000
4.09% ▲ 1.11% above Wisconsin avg
View
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.98%▲ 1.11% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 4.09% APY · checked 7 times
3.59%4.09%4.59%Sep 14, 2026: 4.09% APYSep 14, 2026Oct 14, 2026
Oakwood Bank Pigeon Falls, WI
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
5 Year Certificate of Deposit
$1,000
4.06% ▲ 1.08% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wisconsin Average2.98%▲ 1.08% above avgNationally 2.91%
Details

Rate History
No change since Sep 30, 2026 · 4.06% APY · checked 4 times
3.56%4.06%4.56%Sep 30, 2026: 4.06% APYSep 30, 2026Oct 14, 2026
Wisconsin Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
Share/IRA Certificates - 60 Months
$0
4.06% ▲ 1.08% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wisconsin Average2.98%▲ 1.08% above avgNationally 2.91%
Details

Rate History
No change since Oct 13, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 13, 2026: 4.06% APYOct 13, 2026Oct 14, 2026
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
60 Month CD
$1,000
4.04% ▲ 1.06% above Wisconsin avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wisconsin Average2.98%▲ 1.06% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 4.04% APY · checked 3 times
3.54%4.04%4.54%Sep 14, 2026: 4.04% APYSep 14, 2026Oct 14, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

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

Top CD Rates from Stevens Point, Wisconsin Institutions

Highest verified APYs available today, updated October 14, 2026

B Top 5 Bank Rates
Nicolet Bank
Relationship CD - 60 Month
A+ 5.0 ★ TX: 2.28%
Min: $0
4.75%
Peoples State Bank (WI)
48 Month CD
A 5.0 ★ TX: 11.20%
Min: $2,500
3.00%
Pineries Bank
60 Month Certificate of Deposit
A+ 5.0 ★ TX: 0.01%
Min: $1,000
2.90%
Prevail Bank
60 Month Certificate
A+ 5.0 ★ TX: 1.10%
Min: $1,000
2.27%
First State Bank New London, WI
CDs/IRAs - 60 Months
A+ 5.0 ★ TX: 0.94%
Min: $500
1.71%
CU Top 5 Credit Union Rates
Sentry Credit Union
5 Year Term Share Certificate
A+ 5.0 ★ TX: 2.19%
Min: $0
3.80%
Simplicity Credit Union
12-Month HSA Share Certificate
A 5.0 ★ TX: 9.92%
Min: $250
3.75%
Central Wisconsin Credit Union
5 Year Share Certificate
A+ 5.0 ★ TX: 3.68%
Min: $0
3.71%
University of Wisconsin Credit Union
12 Month IRA Certificates
A+ 5.0 ★ TX: 3.38%
Min: $0
3.35%
Valley Communities Credit Union
60 Month Share Certificates
A+ 5.0 ★ TX: 1.10%
Min: $0
3.04%
Rates verified October 14, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Stevens Point, WI CD Rate Trends

Compare local Stevens Point, WI CD rate quotes against the statewide average

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

View Full Wisconsin CD Trends
12-Month CD WI Avg
2.803%
▼ 0.006 vs 7 days ago

Wisconsin 12-month CD rates fell 0.006 points over the past 7 days to 2.803% APY.

6-Month CD WI Avg
2.402%
▲ 0.008 vs 7 days ago

Wisconsin 6-month CD rates rose 0.008 points over the past 7 days to 2.402% APY.

As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions

WI CD Rate Forecast, Next 12 Months

Where are Wisconsin CD rates headed through October 2027?

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

WI 12-Month Avg APY
2.803%
6-Month Forecast
2.803%
Range: 2.60%, 2.95%
12-Month Forecast
3.053%
Range: 2.85%, 3.20%

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

Spread model: The Wisconsin 12-month CD average currently trades 1.57% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

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

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

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What Your Savings Earn at WI CD Rates Today

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

CD Term WI Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 1.538% $76.90 $153.80 $384.50 $769.00
6-Month CD 2.402% $120.12 $240.24 $600.60 $1,201.20
12-Month CD 2.803% $140.14 $280.28 $700.70 $1,401.40
18-Month CD 2.806% $140.31 $280.62 $701.55 $1,403.10
24-Month CD 2.892% $144.58 $289.15 $722.88 $1,445.75
36-Month CD 2.860% $143.02 $286.03 $715.08 $1,430.15
48-Month CD 2.753% $137.66 $275.32 $688.30 $1,376.60
60-Month CD 2.979% $148.95 $297.91 $744.78 $1,489.55
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026.
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Sample CD Ladder for Stevens Point, Wisconsin Savers

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

Build Your Ladder
Rung Term Deposit WI Avg APY Annual Earnings
1 3-Month CD $5,000 1.538% $76.90
2 6-Month CD $5,000 2.402% $120.12
3 12-Month CD $5,000 2.803% $140.14
4 24-Month CD $5,000 2.892% $144.58
5 36-Month CD $5,000 2.860% $143.02
Total ($25,000 invested) $25,000 2.499% blended $624.76/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.

Powered byMonitorBankRates
1,922
CD Rates
Tracked in Stevens Point, Wisconsin
62 Banks 61 Credit Unions

About Our Stevens Point, Wisconsin CD Rate Database

MonitorBankRates tracks 1,922 CD rates from 62 banks and 61 credit unions with locations in Stevens Point, Wisconsin, plus national online institutions available to Wisconsin residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

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

Current top rate: Nicolet Bank offers a CD at 4.75% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Stevens Point, Wisconsin.

How to Find the Best CD Rates in Stevens Point, Wisconsin

What to compare when shopping for a CD in Stevens Point, Wisconsin

To find the best APYs in Stevens Point, Wisconsin, start with credit unions and online-only banks: Stevens Point, Wisconsin has 61 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 Stevens Point, 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 Stevens Point, Wisconsin: 123 institutions here report CD rates

Consider an Alternative If…

Stevens Point, Wisconsin Financial Snapshot

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

Population 65+
13.5%
National avg: 17.3%
Median Individual Earnings
$28,960
National avg: $47,340
Poverty Rate
16.6%
National avg: 11.1%
Unemployment Rate
4.4%
National avg: 4.8%
CD Earnings on 10% of Salary
$81/yr
At WI 12-mo avg 2.803% APY

13.5% of residents are 65 or older, below the national average of 17.3%. At today’s WI 12-month CD average of 2.803%, saving 10% of the local median salary ($2,896/year) and putting it in a CD would earn an additional $81 annually in interest.

Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.

CD Rates vs. Other Savings Options in Stevens Point, Wisconsin

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

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

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

Choosing a CD Term in Stevens Point, 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 Stevens Point, Wisconsin savers easier access to their funds. For example, Nicolet Bank is offering its Relationship CD - 6 Month at 3.50% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Nicolet Bank is offering its Relationship CD - 60 Month at 4.75% 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 Stevens Point, 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 Stevens Point, 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 Stevens Point, 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 Stevens Point, 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 Stevens Point, Wisconsin

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

Are CD rates in Stevens Point, Wisconsin FDIC insured?

Yes, most established banks in Stevens Point, 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 Stevens Point, 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 Stevens Point, 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 Stevens Point, 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 Stevens Point, Wisconsin?

Here are recent top rates found for this area:
  • Nicolet Bank: 4.75% APY (Relationship CD - 60 Month)
  • Sentry Credit Union: 3.80% APY (5 Year Term Share Certificate)
  • Simplicity Credit Union: 3.75% APY (12-Month HSA Share Certificate)
  • Central Wisconsin Credit Union: 3.71% APY (5 Year Share Certificate)
  • University of Wisconsin Credit Union: 3.35% APY (12 Month IRA Certificates)
  • Valley Communities Credit Union: 3.04% APY (60 Month Share Certificates)
  • Peoples State Bank (WI): 3.00% APY (48 Month CD)
  • Pineries Bank: 2.90% APY (60 Month Certificate of Deposit)
  • Prevail Bank: 2.27% APY (60 Month Certificate)
  • First State Bank New London, WI: 1.71% APY (CDs/IRAs - 60 Months)
Rates reflect recent verified offers available in Stevens Point, Wisconsin. Last Updated: October 14, 2026

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

Interest at Maturity
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Ending Balance
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Matures

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

Top Stevens Point, Wisconsin CD Rates by Term

Verified October 14, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Stevens Point, Wisconsin. Averages shown use the Wisconsin state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Stevens Point, Wisconsin

Stevens Point, Wisconsin CD Calculator

At today’s WI top rate of 4.75% APY, a $10,000 deposit earns $475 in the first year. Enter your amount to see your exact return.

Stevens Point, Wisconsin CD Ladder

WI CD rates currently range from 1.538% (3-month) to 2.860% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Stevens Point, Wisconsin CD at 4.75% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Wisconsin’s average 12-month CD is 2.803% 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 Stevens Point, 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 Stevens Point, 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 Stevens Point, Wisconsin. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in WI.

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

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 14, 2026

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