Credit union · NCUA insured
Arcadia Credit Union CD Rates
Arcadia Credit Union’s best CD rate is 3.90% APY on a 7-month share certificate (CD). Terms run from 3 months to 3 years. Rates checked October 16, 2026.
How Arcadia Credit Union’s CD rates compare
Compared with banks and credit unions in Wisconsin, where Arcadia Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Arcadia Credit Union
3.90%APY
- Term
- 7 months
- Minimum
- —
- Earns on $10,000
- $226
Share Certificates (CDs)
Top rate
Fort Community Credit Union
5.15%APY
- Term
- 60 months
- Minimum
- $250
- Earns on $10,000
- $2,854
2nd-highest rate
Community First Credit Union
5.05%APY
- Term
- 5 months
- Minimum
- —
- Earns on $10,000
- $207
Arcadia Credit Union CD score
78
CD score
Higher than 46% of U.S. banks and credit unions
- 3–8 months3–8 mo3.90%
- 9–15 months9–15 mo3.65%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo2.50%
- QualifiedQualified3.90%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Arcadia Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates (CDs)
Up to 3.90%APY · 8 terms
Early withdrawal from a Share Certificate is subject to a 90-day dividend penalty (30-day dividend penalty for 3-month Share Certificate). No setup or maintenance fees.
| Term | APY · $250 and up | APY · $500 and up | APY · $1,000 and up | APY · $20,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 monthsDividends compounded at maturity, added at maturity. Early withdrawal subject to a 30-day dividend penalty | — | 1.75% | — | — | 1.75% | $43 |
| 6 monthsDividends compounded at maturity, added at maturity. Early withdrawal subject to a 90-day dividend penalty | — | 3.70% | — | — | 3.70% | $183 |
| 7 months7 Months SPECIAL. Dividends compounded at maturity, added at maturity. Early withdrawal subject to a 90-day dividend penalty | — | 3.90% | — | — | 3.90% | $226 |
| 9 months9 Months (Add on CD). Dividends compounded daily, added monthly. Early withdrawal subject to a 90-day dividend penalty | 3.00% | — | — | — | 3.00% | $224 |
| 12 months12 Months (Monthly Dividends). Dividends compounded monthly, added monthly. Early withdrawal subject to a 90-day dividend penalty | — | — | 3.65% | — | 3.65% | $365 |
| 12 monthsDividends compounded at maturity, added at maturity. Early withdrawal subject to a 90-day dividend penalty | — | 3.65% | — | 3.65% | 3.65%3.65% from $20k | $365 |
| 18 monthsDividends compounded quarterly, added quarterly. Early withdrawal subject to a 90-day dividend penalty | — | 3.00% | — | — | 3.00% | $453 |
| 24 monthsDividends compounded quarterly, added quarterly. Early withdrawal subject to a 90-day dividend penalty | — | 2.50% | — | — | 2.50% | $506 |
| 36 monthsDividends compounded quarterly, added quarterly. Early withdrawal subject to a 90-day dividend penalty | — | 2.50% | — | — | 2.50% | $769 |
Sources (2)
- arcadiacu.com/accounts/persona…re-certificates-cds.html
- arcadiacu.com/services-tools/tools/rates.html
All captured Oct 5, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs) – Share Certificates
Up to 3.90%APY · 3 terms
Traditional and Roth IRA options. No setup fees, monthly, or annual maintenance fees. Early withdrawal from an IRA Share Certificate is subject to a 90-day dividend penalty.
| Term | APY · $2,000 and up | APY · $20,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsDividends compounded at maturity, added at maturity. Early withdrawal subject to a 90-day dividend penalty | 3.70% | 3.70% | 3.70%3.70% from $20k | $183 |
| 7 monthsDividends compounded at maturity, added at maturity. Early withdrawal subject to a 90-day dividend penalty | 3.90% | 3.90% | 3.90%3.90% from $20k | $226 |
| 12 monthsDividends compounded at maturity, added at maturity. Early withdrawal subject to a 90-day dividend penalty | 3.65% | 3.65% | 3.65%3.65% from $20k | $365 |
| 12 monthsDividends compounded monthly, added monthly. Early withdrawal subject to a 90-day dividend penalty | 3.65% | 3.65% | 3.65%3.65% from $20k | $365 |
Sources (2)
- arcadiacu.com/accounts/persona…ement-accounts-iras.html
- arcadiacu.com/services-tools/tools/rates.html
All captured Oct 5, 2026
Who can join Arcadia Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Businesses located in one of the seven specified eligible counties are eligible for membership.
- Individuals who work or reside in Trempealeau, Buffalo, La Crosse, Eau Claire, Chippewa, or Jackson counties in Wisconsin, or Winona County in Minnesota, are eligible for membership.
Family and household
- Individuals who have an immediate family member (spouse, parent, sibling, child, grandparent, or grandchild) who is an established member are eligible for membership.
Other ways
- Businesses where a majority (greater than 50%) of the signers are eligible to become members are eligible for membership.
- Existing members retain their membership under the once a member, always a member policy.
Cost to join
- Membership requires opening a Super Share Savings account with a $5 deposit and providing a non-expired government-issued photo ID.
Membership information collected October 5, 2026.