Bank · FDIC insured
Badger Bank CD Rates
Badger Bank’s best CD rate is 4.20% APY on a 19-month CD, with extra requirements. Terms run from 1 month to 61 months. Rates checked October 16, 2026.
How Badger Bank’s CD rates compare
Compared with banks and credit unions near Watertown, WI, where Badger Bank has the most branches. $10,000, best rate first.
This bank’s best
Badger Bank
4.20%APY
- Term
- 19 months
- Requires
- Another account
- Minimum
- $2,500
- Earns on $10,000
- $673
Certificate of Deposit Specials
Top rate
Fort Community Credit Union
5.15%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $250
- Earns on $10,000
- $2,854
2nd-highest rate
Summit Credit Union
4.50%APY
- Term
- 16 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $604
Badger Bank CD score
75
CD score
Higher than 40% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo2.84%
- 16–30 months16–30 mo2.94%
- 31–60 months31–60 mo1.51%
- QualifiedQualified4.20%
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 Badger Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit Specials
Up to 4.20%APY · 5 terms
APY is based on daily compounding and assumes interest remains on deposit. Interest credited quarterly unless otherwise noted. Penalty for early withdrawal. Fees may reduce earnings.
| Term | APY · $2,500 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 months | 4.10% | — | 4.10% | $410 |
| 19 monthsChecking account required | 4.20% | — | 4.20% | $673 |
| 39 months | — | 3.46% | 3.46% | $1,169 |
| 49 months | — | 3.51% | 3.51% | $1,513 |
| 61 months | — | 3.56% | 3.56% | $1,946 |
Sources (2)
- badgerbank.bank/personal/perso…ates-of-deposit-cds.html
- badgerbank.bank/services-tools…urces/interestrates.html
All captured Oct 16, 2026
Certificates of Deposit (CDs)
Up to 4.00%APY · 12 terms
No setup or maintenance fees. APY is based on daily compounding and assumes interest remains on deposit. Interest credited quarterly unless noted. Penalty for early withdrawal. Option CD offers a one-time rate change and a one-time opportunity to add additional funds during the term.
| Term | APY · $1,000 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 1 month30 Day term. Interest paid at maturity | 0.10% | — | 0.10% | $1 |
| 2 months60 Day term. Interest paid at maturity | 0.25% | — | 0.25% | $4 |
| 3 months90 Day term. Interest paid at maturity | 3.56% | — | 3.56% | $88 |
| 6 months | 4.00% | — | 4.00% | $198 |
| 12 months | 2.74% | — | 2.74% | $274 |
| 15 months | 2.84% | — | 2.84% | $356 |
| 18 months | 1.31% | — | 1.31% | $197 |
| 18 monthsOption CD: includes a one-time rate change and a one-time opportunity to add additional funds during the term of the certificate | — | 1.11% | 1.11% | $167 |
| 21 months | 2.94% | — | 2.94% | $520 |
| 24 months | 1.36% | — | 1.36% | $274 |
| 24 monthsOption CD: includes a one-time rate change and a one-time opportunity to add additional funds during the term of the certificate | — | 1.16% | 1.16% | $233 |
| 30 months | 1.41% | — | 1.41% | $356 |
| 30 monthsOption CD: includes a one-time rate change and a one-time opportunity to add additional funds during the term of the certificate | — | 1.21% | 1.21% | $305 |
| 36 months | 1.46% | — | 1.46% | $444 |
| 36 monthsOption CD: includes a one-time rate change and a one-time opportunity to add additional funds during the term of the certificate | — | 1.26% | 1.26% | $383 |
| 39 months | 1.51% | — | 1.51% | $499 |
Sources (2)
- badgerbank.bank/personal/perso…ates-of-deposit-cds.html
- badgerbank.bank/services-tools…urces/interestrates.html
All captured Oct 16, 2026
Special-purpose accounts
IRA Certificate Specials
Up to 4.20%APY · 5 terms
No setup or maintenance fees. Available in Traditional and Roth IRA. APY is based on daily compounding and assumes interest remains on deposit. Interest credited quarterly unless otherwise noted. Penalty for early withdrawal. Fees may reduce earnings.
| Term | APY · $2,500 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 months | 4.10% | — | 4.10% | $410 |
| 19 monthsChecking account required. Interest paid quarterly and at maturity | 4.20% | — | 4.20% | $673 |
| 39 months | — | 3.46% | 3.46% | $1,169 |
| 49 months | — | 3.51% | 3.51% | $1,513 |
| 61 months | — | 3.56% | 3.56% | $1,946 |
Sources (2)
- badgerbank.bank/personal/perso…ement-accounts-iras.html
- badgerbank.bank/services-tools…urces/interestrates.html
All captured Oct 16, 2026
IRA Certificates
Up to 4.00%APY · 12 terms
No setup or maintenance fees. No annual fees. Available in Traditional and Roth IRA. APY is based on daily compounding and assumes interest remains on deposit. Interest credited quarterly unless otherwise noted. Penalty for early withdrawal.
| Term | APY · $20 and up | APY · $1,000 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 1 month30 Day term. Interest paid at maturity | — | 0.10% | — | 0.10% | $1 |
| 2 months60 Day term. Interest paid at maturity | — | 0.25% | — | 0.25% | $4 |
| 3 months90 Day term. Interest paid at maturity | — | 3.56% | — | 3.56% | $88 |
| 6 months | — | 4.00% | — | 4.00% | $198 |
| 12 months | — | 2.74% | — | 2.74% | $274 |
| 15 months | — | 2.84% | — | 2.84% | $356 |
| 18 months | — | 1.31% | — | 1.31% | $197 |
| 18 months18 Month Variable: Subject to interest rate change after account is open | 1.01% | — | — | 1.01% | $152 |
| 18 monthsOption CD: includes a one-time rate change and a one-time opportunity to add additional funds during the term of the certificate | — | — | 1.11% | 1.11% | $167 |
| 21 months | — | 2.94% | — | 2.94% | $520 |
| 24 months | — | 1.36% | — | 1.36% | $274 |
| 24 monthsOption CD: includes a one-time rate change and a one-time opportunity to add additional funds during the term of the certificate | — | — | 1.16% | 1.16% | $233 |
| 30 months | — | 1.41% | — | 1.41% | $356 |
| 30 monthsOption CD: includes a one-time rate change and a one-time opportunity to add additional funds during the term of the certificate | — | — | 1.21% | 1.21% | $305 |
| 36 months | — | 1.46% | — | 1.46% | $444 |
| 36 monthsOption CD: includes a one-time rate change and a one-time opportunity to add additional funds during the term of the certificate | — | — | 1.26% | 1.26% | $383 |
| 39 months | — | 1.51% | — | 1.51% | $499 |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.