Credit union · NCUA insured
Avestar CU CD Rates
Avestar CU’s best CD rate is 3.91% APY on a 7-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Avestar CU’s CD rates compare
Compared with banks and credit unions near Madison, WI, where Avestar CU has the most branches. $10,000, best rate first.
This credit union’s best
Avestar CU
3.91%APY
- Term
- 7 months
- Minimum
- —
- Earns on $10,000
- $226
Share Certificate
Top rate
Madison Fire Department Credit Union
4.55%APY
- Term
- 16 months
- Minimum
- —
- Earns on $10,000
- $611
2nd-highest rate
Summit Credit Union
4.50%APY
- Term
- 16 months
- Minimum
- $500
- Earns on $10,000
- $604
Avestar CU CD score
84
CD score
Higher than 65% of U.S. banks and credit unions
- 3–8 months3–8 mo3.91%
- 9–15 months9–15 mo3.29%
- 16–30 months16–30 mo3.80%
- 31–60 months31–60 mo3.55%
- QualifiedQualified3.91%
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 Avestar CU 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 Certificate
Up to 3.91%APY · 10 terms
Dividends are paid quarterly. Early withdrawal penalty is 90 days interest. Avestar matches rates on certificates with comparable terms from other local financials.
| Term | APY · $500 and up | APY · $500 – $10,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.03% | — | 3.03% | $150 |
| 7 months | 3.91% | — | 3.91% | $226 |
| 9 months | — | 3.03% | —3.03% $500–$10k | — |
| 12 months | 3.29% | — | 3.29% | $329 |
| 18 months | 3.29% | — | 3.29% | $498 |
| 24 months | 3.29% | — | 3.29% | $669 |
| 25 months | 3.80% | — | 3.80% | $808 |
| 36 months | 3.55% | — | 3.55% | $1,103 |
| 48 months | 3.55% | — | 3.55% | $1,497 |
| 60 months | 3.55% | — | 3.55% | $1,906 |
Sources (1)
- avestarcu.com/savings-rates · captured Sep 18, 2026
Contributing CD
Up to 3.03%APY · 2 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.02% | $202 |
| 36 months | 3.03% | $937 |
Sources (1)
- avestarcu.com/savings-rates · captured Sep 18, 2026
Special-purpose accounts
IRA Certificate
Up to 3.91%APY · 10 terms
Dividends are paid quarterly. Early withdrawal penalty is 90 days interest. Avestar matches rates on certificates with comparable terms from other local financials.
| Term | APY · $500 and up | APY · $500 – $10,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.03% | — | 3.03% | $150 |
| 7 months | 3.91% | — | 3.91% | $226 |
| 9 months | — | 3.03% | —3.03% $500–$10k | — |
| 12 months | 3.29% | — | 3.29% | $329 |
| 18 months | 3.29% | — | 3.29% | $498 |
| 24 months | 3.29% | — | 3.29% | $669 |
| 25 months | 3.80% | — | 3.80% | $808 |
| 36 months | 3.55% | — | 3.55% | $1,103 |
| 48 months | 3.55% | — | 3.55% | $1,497 |
| 60 months | 3.55% | — | 3.55% | $1,906 |
Sources (1)
- avestarcu.com/savings-rates · captured Sep 18, 2026
Who can join Avestar CU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone living or employed in Columbia, Jefferson, Dane, Dodge, Iowa, or Rock Counties.
Membership information collected October 5, 2026.