Credit union · NCUA insured
Co-op Credit Union CD Rates
Top CarrotCo-op Credit Union’s best CD rate is 4.70% APY on an 18-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Co-op Credit Union’s CD rates compare
Compared with banks and credit unions near La Crosse, WI-MN, where Co-op Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Co-op Credit Union
4.70%APY
- Term
- 18 months
- Minimum
- $100
- Earns on $10,000
- $713
Share Certificates
Top rate
Altra Federal Credit Union
4.75%APY
- Term
- 30 months
- Minimum
- $1,000
- Earns on $10,000
- $1,230
3rd-highest rate
Governmental Employees Credit Union
4.50%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $450
Co-op Credit Union CD score
94
CD score
Higher than 96% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo4.60%
- 16–30 months16–30 mo4.70%
- 31–60 months31–60 mo3.40%
- QualifiedQualified4.70%
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 Co-op 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
Up to 4.70%APY · 8 terms
Early withdrawal penalty applies. Dividends calculated and paid quarterly. Minimum opening deposit $100.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.00% | $149 |
| 12 months | 4.30% | $430 |
| 14 monthsSpecial certificate | 4.60% | $539 |
| 18 months | 4.70% | $713 |
| 24 months | 3.15% | $640 |
| 36 months | 3.20% | $991 |
| 48 months | 3.30% | $1,387 |
| 60 months | 3.40% | $1,820 |
Sources (2)
- coopcu.com/checking-and-saving…-certificate-rates/rates
- coopcu.com/checking-and-saving…vings/share-certificates
All captured Oct 16, 2026
Special-purpose accounts
Youth Saver Certificate
6.00%APY · 1 term
Limit one Youth Saver Certificate per member under the age of 18. Maximum deposit of $3,000. Once the member turns 18, the certificate will automatically renew into a 12-month share certificate at the current rate on the date of maturity. Substantial penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAvailable for members under age 18. Maximum deposit $3,000. Automatically renews into 12-month share certificate upon turning 18 | 6.00% | — |
IRA Certificates
Up to 4.75%APY · 8 terms
Dividends calculated and paid quarterly. $1,000 minimum balance to open. Must be at least 59.5 years old to withdraw. Early withdrawal tax penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.05% | $151 |
| 12 months | 4.35% | $435 |
| 14 monthsSpecial certificate | 4.65% | $545 |
| 18 months | 4.75% | $721 |
| 24 months | 3.20% | $650 |
| 36 months | 3.25% | $1,007 |
| 48 months | 3.35% | $1,409 |
| 60 months | 3.45% | $1,848 |
Sources (2)
- coopcu.com/checking-and-saving…-certificate-rates/rates
- coopcu.com/checking-and-saving…dual-retirement-accounts
All captured Oct 16, 2026
Health Savings Account Certificate
Up to 4.35%APY · 3 terms
$1,000 minimum opening deposit. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 4.35% | $435 |
| 36 months | 3.25% | $1,007 |
| 60 months | 3.45% | $1,848 |
Sources (1)
- coopcu.com/checking-and-saving…-certificate-rates/rates · captured Oct 16, 2026
Who can join Co-op Credit Union
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 persons residing, employed, or owning property in Buffalo, Chippewa, Clark, Dunn, Eau Claire, Jackson, La Crosse, Monroe, Pepin, or Trempealeau counties in Wisconsin.
Employers and groups
- Membership is open to employees and retirees of the Burlington Northern Santa Fe Railroad, Chicago and Twin Cities Divisions, that work into or out of La Crosse, WI.
- Membership is open to any member of any cooperatives organized or existing in Jackson County, Wisconsin, including Allied Co-operative, AMPI Co-op, Clark Electric Co-op, Eau Claire Electric Co-op, ProVision Partners (formerly Federation Co-op), Jackson Electric Co-op, Land O Lakes Co-op, Oakdale Electric Co-op, Riverland Electric Co-op, Tri-County Telephone Co-op, or Tri-County Communications Co-op.
- Membership is open to any stockholder of the Fall Creek Supply Co-op or Augusta Farmers Union Co-op.
Military, government and schools
- Membership is open to any federal employee or postal employee within a 75-mile radius of La Crosse, Wisconsin.
Family and household
- Membership is open to any persons of the immediate family of a current CCU member.
Cost to join
- Opening and maintaining membership requires $5 in a membership share savings account.
Membership information collected October 5, 2026.