Bank · FDIC insured
Bank of Wolcott CD Rates
Bank of Wolcott’s best CD rate is 3.75% APY on an 8-month CD. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Bank of Wolcott’s CD rates compare
Compared with banks and credit unions near Monticello, IN, where Bank of Wolcott has the most branches. $10,000, best rate first.
This bank’s best
Bank of Wolcott
3.75%APY
- Term
- 8 months
- Minimum
- $5,000
- Earns on $10,000
- $248
Certificate of Deposit
Top rate
Flagstar Bank
4.30%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $430
2nd-highest rate
Industrial Federal Credit Union
3.80%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $380
Bank of Wolcott CD score
71
CD score
Higher than 30% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo2.25%
- 16–30 months16–30 mo1.96%
- 31–60 months31–60 mo2.75%
- QualifiedQualified3.75%
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 Wolcott 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 3.75%APY · 8 terms
Compounding frequency is quarterly. Substantial penalty for early withdrawal. Rates and APYs valid for new accounts opened on this date.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsCompounding Frequency: Quarterly | 1.00% | $25 |
| 6 monthsCompounding Frequency: Quarterly | 2.00% | $100 |
| 8 months8 Month CD Special. Compounding Frequency: Quarterly | 3.75% | $248 |
| 12 monthsCompounding Frequency: Quarterly | 2.25% | $225 |
| 24 monthsCompounding Frequency: Quarterly | 1.96% | $396 |
| 36 monthsCompounding Frequency: Quarterly | 1.96% | $600 |
| 48 monthsCompounding Frequency: Quarterly | 2.25% | $931 |
| 60 monthsCompounding Frequency: Quarterly | 2.75% | $1,453 |
Sources (1)
- bankofwolcott.com/depositing/certificate-of-deposit · captured Oct 5, 2026
Special-purpose accounts
Individual Retirement Account
Up to 3.60%APY · 3 terms
Compounding frequency is quarterly. Substantial penalty for early withdrawal. Rates and APYs valid for new accounts opened on this date.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsCompounding Frequency: Quarterly | 1.75% | $175 |
| 24 monthsCompounding Frequency: Quarterly | 2.88% | $584 |
| 60 monthsCompounding Frequency: Quarterly | 3.60% | $1,934 |
Sources (1)
- bankofwolcott.com/depositing/i…idual-retirement-account · captured Oct 5, 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.