Bank · FDIC insured
Headwaters State Bank CD Rates
Top CarrotHeadwaters State Bank’s best CD rate is 4.41% APY on a 7-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Headwaters State Bank’s CD rates compare
Compared with banks and credit unions in Wisconsin, where Headwaters State Bank has the most branches. $10,000, best rate first.
This bank’s best
Headwaters State Bank
4.41%APY
- Term
- 7 months
- Minimum
- $5,000
- Earns on $10,000
- $255
Certificate of Deposit
Top rate
Fort Community Credit Union
5.15%APY
- Term
- 60 months
- Minimum
- $250
- Earns on $10,000
- $2,854
2nd-highest rate
Community First Credit Union
5.05%APY
- Term
- 5 months
- Minimum
- —
- Earns on $10,000
- $207
Headwaters State Bank CD score
88
CD score
Higher than 83% of U.S. banks and credit unions
- 3–8 months3–8 mo4.41%
- 9–15 months9–15 mo4.20%
- 16–30 months16–30 mo1.96%
- 31–60 months31–60 mo2.57%
- QualifiedQualified4.41%
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 Headwaters State 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
Up to 4.41%APY · 10 terms
Rates are subjected to change at any time.
| Term | APY · $1,000 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 1.66% | — | 1.66% | $41 |
| 6 months | 1.76% | — | 1.76% | $88 |
| 7 months | — | 4.41% | 4.41% | $255 |
| 12 months | 1.86% | — | 1.86% | $186 |
| 14 months | — | 4.20% | 4.20% | $492 |
| 15 months | 1.26% | — | 1.26% | $158 |
| 24 months | 1.96% | — | 1.96% | $396 |
| 36 months | 2.06% | — | 2.06% | $631 |
| 48 months | 2.26% | — | 2.26% | $935 |
| 60 months | 2.57% | — | 2.57% | $1,353 |
Sources (1)
- headwatersstatebank.com/personal/deposit-rates · captured Oct 5, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 2.57%APY · 8 terms
Rates are subjected to change at any time.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.66% | $41 |
| 6 months | 1.76% | $88 |
| 12 months | 1.86% | $186 |
| 15 months | 1.26% | $158 |
| 24 months | 1.96% | $396 |
| 36 months | 2.06% | $631 |
| 48 months | 2.26% | $935 |
| 60 months | 2.57% | $1,353 |
Sources (1)
- headwatersstatebank.com/personal/deposit-rates · 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.