Bank · FDIC insured
Bank of Deerfield CD Rates
Bank of Deerfield’s best CD rate is 4.45% APY on a 3-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Bank of Deerfield’s CD rates compare
Compared with banks and credit unions near Madison, WI, where Bank of Deerfield has the most branches. $10,000, best rate first.
This bank’s best
Bank of Deerfield
4.45%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,395
Certificate of Deposit
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
Bank of Deerfield CD score
98
CD score
Higher than 99% of U.S. banks and credit unions
- 3–8 months3–8 mo4.40%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.39%
- 31–60 months31–60 mo4.45%
- QualifiedQualified4.45%
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 Bank of Deerfield 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
Up to 4.45%APY · 10 terms
Substantial penalty for early withdrawal. Rates as of September 18, 2026.
| Term | APY · $500 and up | APY · $1,000 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months90-day Certificate of Deposit is not available as an IRA | — | 4.21% | — | 4.21% | $104 |
| 6 months | 4.40% | — | — | 4.40% | $218 |
| 12 months | 4.25% | — | — | 4.25% | $425 |
| 18 months | 4.30% | — | — | 4.30% | $652 |
| 24 months | 4.35% | — | — | 4.35% | $889 |
| 25 months | — | — | 4.39% | 4.39% | $936 |
| 30 months | 4.35% | — | — | 4.35% | $1,123 |
| 36 months | 4.27% | — | 4.45% | 4.45%4.27% from $500 | $1,395 |
| 48 months | 3.32% | — | — | 3.32% | $1,396 |
| 60 months | 3.28% | — | — | 3.28% | $1,751 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 4.45%APY · 9 terms
Substantial penalty for early withdrawal. Rates as of September 18, 2026. 90-day Certificate of Deposit is not available as an IRA.
| Term | APY · $500 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 4.40% | — | 4.40% | $218 |
| 12 months | 4.25% | — | 4.25% | $425 |
| 18 months | 4.30% | — | 4.30% | $652 |
| 24 months | 4.35% | — | 4.35% | $889 |
| 25 months | — | 4.39% | 4.39% | $936 |
| 30 months | 4.35% | — | 4.35% | $1,123 |
| 36 months | 4.27% | 4.45% | 4.45%4.27% from $500 | $1,395 |
| 48 months | 3.32% | — | 3.32% | $1,396 |
| 60 months | 3.28% | — | 3.28% | $1,751 |
Sources (2)
All captured Oct 16, 2026
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.