Bank · FDIC insured
Forward Bank CD Rates
Forward Bank’s best CD rate is 4.50% APY on a 19-month CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Forward Bank’s CD rates compare
Compared with banks and credit unions near Wausau, WI, where Forward Bank has the most branches. $10,000, best rate first.
This bank’s best
Forward Bank
4.50%APY
- Term
- 19 months
- Minimum
- $1,000
- Earns on $10,000
- $722
3D-CD
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
Summit Credit Union
4.50%APY
- Term
- 16 months
- Minimum
- $500
- Earns on $10,000
- $604
Forward Bank CD score
98
CD score
Higher than 99% of U.S. banks and credit unions
- 3–8 months3–8 mo4.25%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.50%
- 31–60 months31–60 mo4.50%
- QualifiedQualified4.50%
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 Forward 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.
3D-CD
4.50%APY · 3 terms
After the first six months of account term, allows adding funds up to original balance, bumping rate once per term, and making a one-time penalty-free withdrawal of up to 50% of original balance. Rates could change after account is opened. Subject to early withdrawal penalty.
| Term | APY · $500 and up | APY · $5,000 and up | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 19 months | 4.50% | — | 4.50% | 4.50%4.50% from $25k | $722 |
| 30 months | 4.50% | — | 4.50% | 4.50%4.50% from $25k | $1,163 |
| 40 months | 4.50% | 4.50% | — | 4.50%4.50% from $5k | $1,580 |
Sources (1)
- forward.bank/bank/cds-money-market/cds · captured Oct 5, 2026
Certificates of Deposit
Up to 4.25%APY · 8 terms
Rates could change after account is opened. Rates are subject to change without advance notice. APY assumes interest is added to account. Term Certificates of Deposit may be subject to early withdrawal penalty.
| Term | APY · $500 and up | APY · $5,000 and up | APY · $10,000 and up | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 months | 4.25% | — | 4.25% | 4.25% | 4.25%4.25% from $10k4.25% from $25k | $210 |
| 9 months | — | 4.25% | — | — | 4.25% | $317 |
| 12 months | 1.05% | — | 1.10% | 1.15% | 1.05%1.10% from $10k1.15% from $25k | $105 |
| 13 months | — | 4.25% | — | — | 4.25% | $461 |
| 24 months | 1.31% | — | 1.36% | 1.41% | 1.31%1.36% from $10k1.41% from $25k | $264 |
| 36 months | 1.56% | — | 1.61% | 1.66% | 1.56%1.61% from $10k1.66% from $25k | $475 |
| 48 months | 1.81% | — | 1.86% | 1.91% | 1.81%1.86% from $10k1.91% from $25k | $744 |
| 60 months | 2.06% | — | 2.12% | 2.17% | 2.06%2.12% from $10k2.17% from $25k | $1,073 |
Sources (1)
- forward.bank/bank/cds-money-market/cds · captured Oct 5, 2026
Special-purpose accounts
IRA CD
Up to 4.25%APY · 5 terms
Available in Traditional (IRA Fixed) and Roth options. Rates could change after account is opened. Rates are subject to change without advance notice. APY assumes interest is added to account. Subject to early withdrawal penalty.
| Term | APY · $100 and up | APY · $5,000 and up | APY · $10,000 and up | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 9 months | — | 4.25% | — | — | 4.25% | $317 |
| 12 months | 1.05% | — | 1.10% | 1.15% | 1.05%1.10% from $10k1.15% from $25k | $105 |
| 18 months | 1.31% | — | 1.36% | 1.41% | 1.31%1.36% from $10k1.41% from $25k | $197 |
| 36 months | 1.56% | — | 1.61% | 1.66% | 1.56%1.61% from $10k1.66% from $25k | $475 |
| 60 months | 2.06% | — | 2.12% | 2.17% | 2.06%2.12% from $10k2.17% from $25k | $1,073 |
Sources (1)
- forward.bank/bank/savings-iras/ira · 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.