Current Weyauwega, Wisconsin CD rates include Gundersen Credit UnionGundersen Credit UnionA+5.0 ★Texas Ratio: 0.77%Real return: +2.70%APY minus CPI (February 2026) offering Teenager - 12 Month Term at 5.50% APY, 1st Community Credit Union1st Community Credit UnionA+5.0 ★Texas Ratio: 4.67%Real return: +2.33%APY minus CPI (February 2026) offering 36-MONTH TEEN CERTIFICATE SPECIAL at 5.13% APY, Northwoods Community Credit UnionNorthwoods Community Credit UnionA+5.0 ★Texas Ratio: 4.03%Real return: +2.26%APY minus CPI (February 2026) offering Youth share certificate 6 Month at 5.06% APY, State Bank of NewburgState Bank of NewburgA+5.0 ★Texas Ratio: 0.29%Real return: +2.04%APY minus CPI (February 2026) offering 18 mo Variable Rate IRA 18 mo Certificate of Deposit at 4.84% APY, and PSB of PlainviewPSB of PlainviewA+5.0 ★Texas Ratio: 4.73%Real return: +1.83%APY minus CPI (February 2026) offering 12 Months at 4.63% APY. CD rates as of August 28, 2026 according to verified data from MonitorBankRates.
Weyauwega is a smaller community with no bank or credit union branches currently in our database. 756 institutions serving the Wisconsin area are available to Weyauwega residents, with CD rates as high as 5.50% APY from Gundersen Credit Union. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: August 28, 2026
Special Offer. balances under $100k
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate. **3 Month Certificate requires a minimum deposit of $5,000.
Interest Compounded: ; Interest Credited: At Maturity
No IRA Available
Interest Compounded: ; Interest Credited: At Maturity
Interest Compounded: ; Interest Credited: At Maturity
Minimum to Open or Earn Dividends.
Compound: Quarterly
Rates effective as of 08/20/2026
Ages 0-17
Ages 0-17
Disclosure
Maximum $5,000.00 (Aggregate)
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Interest Compounded: Quarterly; Interest Credited: Quarterly
Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
Interest Compounded: Quarterly; Interest Credited: Quarterly
Limited time offer
Dividend Compounded: At Maturity; Dividend Added: At Maturity
Interest Compounded: Quarterly; Interest Credited: Quarterly
Qualifications Required: Demand deposit account relationship required to receive APY.; Interest is applied only at maturity. APY is accurate as of 07/17/2026, is for a limited time, and subject to change at any time without notice. This certificate special applies only to normal certificates and not IRA certificates. Fees and/or withdrawal of interest will reduce earnings. Withdrawal before maturity may result in loss of principal to you.
Minimum to Open or Earn Dividends.
Opening Balance: $10,000 or above; Interest Will Be Credited: Monthly
Opening Balance: Under $10,000; Interest Will Be Credited: At Maturity
Age: 13-17
Age: 0-12
One package per customer
Featured rate
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Opening Balance: $10,000 or above; Interest Will Be Credited: Monthly
IRA Promotional Certificate
Opening Balance: Under $10,000; Interest Will Be Credited: At Maturity
Rates effective 07/16/2026.
Dividends paid semi-annually and at maturity. Early withdrawal penalties may apply. Youth Certificates (Sapling Certificates) are available for members 17 and younger to open. Youth Certificates may deposit additional money at any time.
Interest Compounded: Quarterly; Interest Credited: Quarterly
Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
Interest Compounded: Quarterly; Interest Credited: Quarterly
Interest Will Be Credited: Quarterly
Minimum to Open or Earn Dividends.
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Rewards APY 3.45% Regular APY 3.45% Dividend Rate 3.40%
Regular APY 3.45% Dividend Rate 3.40%
Rewards APY 3.45% Regular APY 3.30% Dividend Rate 3.25%
Regular APY 3.30% Dividend Rate 3.25%
effective 8-28-24
Opening Balance: $10,000 or above; Interest Will Be Credited: Monthly
Opening Balance: Under $10,000; Interest Will Be Credited: Annually
1 time rate bump. Additions of $500 or more at any time.
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Interest Compounded: Quarterly; Interest Credited: Quarterly
Interest is credited quarterly. Account will automatically renew at maturity. The renewal term will be 24 months. Early withdrawal fees may apply. Fees may reduce earnings on the account. Offer effective April 28, 2026. Offer valid for a limited time. Consult a tax professional for retirement plan advice.
Renews to 30 mo
(Renews to 30 mo)
Minimum to Open or Earn Dividends.
Interest Compounded: Quarterly; Interest Credited: Quarterly
Interest Compounded: Quarterly; Interest Credited: Quarterly
effective 8-28-24
FOR AGES 13-15 YEARS OLD; Minimum deposit of $500, Maximum $10,000. Annual Percentage Yield is based on assumption that dividends will remain in account until maturity. A penalty may be imposed for withdrawals before maturity. Contact 1st CCU for full details, qualifications, restrictions, funds availability, terms and conditions. Youth members may have one of each Youth Certificate type. Teen members may have one Teen Certificate and one of each Youth Certificate type. Certificates are subject to age restrictions. Cannot be opened as UTMA account. Certificate must be in the minor's name. Membership eligibility required. Anyone who lives or works in La Crosse, Monroe, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Federally insured by NCUA.
Opening Balance: $10,000 or above; Interest Will Be Credited: Monthly
Opening Balance: Under $10,000; Interest Will Be Credited: Annually
Interest Compounded: Quarterly; Interest Credited: Quarterly
Share certificates include both Roth and Traditional Share IRAs. Additional deposits of at least $100 can be made on certificates with a term of 1 year or less and on our 13-month Flex Special. Dividends are earned and posted monthly. Share Certificate early withdrawal penalties: 90 days of dividends if 1 year or less; 180 days of dividend if over 1 year.
Compound: Quarterly
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Interest Compounded: Quarterly; Interest Credited: Quarterly
Interest Compounded: Quarterly; Interest Credited: Quarterly
Interest Compounded: Quarterly; Interest Credited: Quarterly
Compound: Quarterly
Share certificates include both Roth and Traditional Share IRAs. Additional deposits of at least $100 can be made on certificates with a term of 1 year or less and on our 13-month Flex Special. Dividends are earned and posted monthly. Share Certificate early withdrawal penalties: 90 days of dividends if 1 year or less; 180 days of dividend if over 1 year.
Interest Compounded: Quarterly; Interest Credited: Quarterly
Interest Compounded: Quarterly; Interest Credited: Quarterly
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Ages 0-17
Ages 0-17
FOR AGES 0-12 YEARS OLD; Minimum deposit of $500, Maximum $10,000. Annual Percentage Yield is based on assumption that dividends will remain in account until maturity. A penalty may be imposed for withdrawals before maturity. Contact 1st CCU for full details, qualifications, restrictions, funds availability, terms and conditions. Youth members may have one of each Youth Certificate type. Teen members may have one Teen Certificate and one of each Youth Certificate type. Certificates are subject to age restrictions. Cannot be opened as UTMA account. Certificate must be in the minor's name. Membership eligibility required. Anyone who lives or works in La Crosse, Monroe, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Federally insured by NCUA.
Opening Balance: $10,000 or above; Interest Will Be Credited: Monthly
Opening Balance: Under $10,000; Interest Will Be Credited: Annually
Interest Compounded: Quarterly; Interest Credited: Quarterly
Compound: Quarterly
Share certificates include both Roth and Traditional Share IRAs. Additional deposits of at least $100 can be made on certificates with a term of 1 year or less and on our 13-month Flex Special. Dividends are earned and posted monthly. Share Certificate early withdrawal penalties: 90 days of dividends if 1 year or less; 180 days of dividend if over 1 year.
Interest Compounded: Quarterly; Interest Credited: Quarterly
Interest Compounded: Quarterly; Interest Credited: Quarterly
Compare local Weyauwega, WI CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Wisconsin 12-month CD rates rose 0.097 points over the past 7 days to 2.446% APY.
Wisconsin 6-month CD rates fell 0.089 points over the past 7 days to 2.144% APY.
Where are Wisconsin CD rates headed through August 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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 | 1.465% | $73.27 | $146.54 | $366.35 | $732.70 |
| 6-Month CD | 2.144% | $107.18 | $214.36 | $535.90 | $1,071.80 |
| 12-Month CD | 2.446% | $122.29 | $244.58 | $611.45 | $1,222.90 |
| 18-Month CD | 2.730% | $136.49 | $272.98 | $682.45 | $1,364.90 |
| 24-Month CD | 2.516% | $125.80 | $251.61 | $629.03 | $1,258.05 |
| 36-Month CD | 2.550% | $127.48 | $254.95 | $637.38 | $1,274.75 |
| 48-Month CD | 2.489% | $124.43 | $248.86 | $622.15 | $1,244.30 |
| 60-Month CD | 2.672% | $133.60 | $267.19 | $667.98 | $1,335.95 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of August 28, 2026. | |||||
$25,000 split equally across 5 terms using today’s Wisconsin average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | WI Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.465% | $73.27 |
| 2 | 6-Month CD | $5,000 | 2.144% | $107.18 |
| 3 | 12-Month CD | $5,000 | 2.446% | $122.29 |
| 4 | 24-Month CD | $5,000 | 2.516% | $125.80 |
| 5 | 36-Month CD | $5,000 | 2.550% | $127.48 |
| Total ($25,000 invested) | $25,000 | 2.224% blended | $556.02/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.
MonitorBankRates tracks 1,347 CD rates from 66 banks and 62 credit unions with locations in Weyauwega, Wisconsin, plus national online institutions available to Wisconsin residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Gundersen Credit Union offers a CD at 5.50% APY with a minimum deposit of $100. Use the rate table above to compare all current offers in Weyauwega, Wisconsin.
What to compare when shopping for a CD in Weyauwega, Wisconsin
To find the best APYs in Weyauwega, Wisconsin, start with credit unions and online-only banks — Weyauwega, Wisconsin has 62 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.
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
14.0% of residents are 65 or older — below the national average of 17.3%; a low unemployment rate of 0.2% reflects a strong local economy. At today’s WI 12-month CD average of 2.446%, saving 10% of the local median salary ($4,294/year) and putting it in a CD would earn an additional $105 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
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 Weyauwega, 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 Weyauwega, Wisconsin as everywhere in the U.S.
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Weyauwega, Wisconsin savers easier access to their funds. For example, Northwoods Community Credit Union is offering its Youth share certificate 6 Month at 5.06% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, 1st Community Credit Union is offering its 60-MONTH YOUTH CERTIFICATE SPECIAL at 4.60% 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.
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 Weyauwega, 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.
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 Weyauwega, Wisconsin CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Most CDs carry a fixed rate that is locked for the entire term, protecting a Weyauwega, 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.
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY — or click any current Weyauwega, Wisconsin rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
At today’s WI top rate of 5.50% APY, a $10,000 deposit earns $550 in the first year. Enter your amount to see your exact return.
Weyauwega, Wisconsin CD LadderWI CD rates currently range from 1.465% (3-month) to 2.550% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Weyauwega, Wisconsin CD at 5.50% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsWisconsin’s average 12-month CD is 2.446% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Weyauwega, 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 Weyauwega, 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 Weyauwega, 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.