Bank · FDIC insured
KeySavings Bank CD Rates
KeySavings Bank’s best CD rate is 3.27% APY on an 8-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How KeySavings Bank’s CD rates compare
Compared with banks and credit unions near Wisconsin Rapids, WI, where KeySavings Bank has the most branches. $10,000, best rate first.
This bank’s best
KeySavings Bank
3.27%APY
- Term
- 8 months
- Minimum
- $1,000
- Earns on $10,000
- $217
Certificates of Deposit
Top rate
Forward Bank
4.50%APY
- Term
- 19 months
- Minimum
- $1,000
- Earns on $10,000
- $722
2nd-highest rate
Associated Bank
4.40%APY
- Term
- 13 months
- Minimum
- $5,000
- Earns on $10,000
- $478
KeySavings Bank CD score
68
CD score
Higher than 22% of U.S. banks and credit unions
- 3–8 months3–8 mo3.27%
- 9–15 months9–15 mo2.51%
- 16–30 months16–30 mo3.19%
- 31–60 months31–60 mo2.51%
- QualifiedQualified3.27%
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 KeySavings 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.
Certificates of Deposit
Up to 3.27%APY · 10 terms
At bank discretion, KeySavings Bank may change interest rates on all interest earnings accounts. Fees may reduce earnings. A penalty may be imposed for early withdrawal from term accounts.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months91 Day CD. Fixed term certificate, no additions allowed during term. Account closed if balance falls below $1,000. Interest figured on daily balance, credited at maturity, not compounded. Seven calendar day grace period after maturity. Early withdrawal penalty is greater of 1/12 year interest (if made in first 30 days) or all interest on amount withdrawn | — | 0.20% | 0.20% | $5 |
| 6 months182 Day CD. Fixed term certificate, no additions allowed during term. Account closed if balance falls below $1,000. Interest figured on daily balance, credited at maturity, not compounded. Seven calendar day grace period after maturity. Early withdrawal penalty: 3 months interest on amount withdrawn | — | 0.25% | 0.25% | $13 |
| 8 monthsNew Money Only. 8 Month CD. Fixed term certificate, no additions allowed during term. Account closed if balance falls below $1,000. Interest figured on daily balance, credited at maturity, not compounded. Seven calendar day grace period after maturity. Early withdrawal penalty: 3 months interest on amount withdrawn | — | 3.27% | 3.27% | $217 |
| 10 months10 Month CD. Fixed term certificate, no additions allowed during term. Account closed if balance falls below $1,000. Interest figured on daily balance, credited at maturity, not compounded. Seven calendar day grace period after maturity. Early withdrawal penalty: 3 months interest on amount withdrawn | — | 2.51% | 2.51% | $209 |
| 12 months12 Months / 1 Year CD. Fixed term certificate, no additions allowed during term. Account closed if balance falls below $500. Interest figured on daily balance, credited quarterly, compounded quarterly. Seven calendar day grace period after maturity. Early withdrawal penalty: 3 months interest on amount withdrawn | 2.19% | — | 2.19% | $219 |
| 24 months24 Months / 2 Year CD. Fixed term certificate, no additions allowed during term. Account closed if balance falls below $500. Interest compounded quarterly. Seven calendar day grace period after maturity. Early withdrawal penalty: 6 months interest on amount withdrawn | 3.19% | — | 3.19% | $648 |
| 30 months30 Month CD. Fixed term certificate, no additions allowed during term. Account closed if balance falls below $500. Interest compounded quarterly. Seven calendar day grace period after maturity. Early withdrawal penalty: Six months interest on the amount withdrawn subject to penalty | 2.27% | — | 2.27% | $577 |
| 36 months36 Months / 3 Year CD. Fixed term certificate, no additions allowed during term. Account closed if balance falls below $500. Interest compounded quarterly. Seven calendar day grace period after maturity. Early withdrawal penalty: Six months interest on the amount withdrawn subject to penalty | 2.51% | — | 2.51% | $772 |
| 48 months48 Months / 4 Year CD. Eligible for a one time bump up during the certificate term (4 Year ONLY). Fixed term certificate, no additions allowed during term. Account closed if balance falls below $1,000. Interest figured on daily balance, credited quarterly, compounded quarterly. Seven calendar day grace period after maturity. Early withdrawal penalty: 12 months interest on amount withdrawn | — | 0.60% | 0.60% | $242 |
| 60 months60 Months / 5 Year CD. Fixed term certificate, no additions allowed during term. Account closed if balance falls below $1,000. Interest figured on daily balance, credited quarterly, compounded quarterly. Seven calendar day grace period after maturity. Early withdrawal penalty: 12 months interest on amount withdrawn | — | 2.27% | 2.27% | $1,188 |
Sources (12)
- keysavingsbank.com/personal-banking/cds
- keysavingsbank.com/personal-certificate-of-deposits
- keysavingsbank.com/personal-ba…y-certificate-of-deposit
- keysavingsbank.com/personal-ba…y-certificate-of-deposit
- keysavingsbank.com/personal-ba…h-certificate-of-deposit
- keysavingsbank.com/personal-ba…h-certificate-of-deposit
- keysavingsbank.com/personal-ba…r-certificate-of-deposit
- keysavingsbank.com/personal-ba…r-certificate-of-deposit
- keysavingsbank.com/personal-ba…h-certificate-of-deposit
- keysavingsbank.com/personal-ba…r-certificate-of-deposit
- keysavingsbank.com/personal-banking/cds/4-year-cd
- keysavingsbank.com/personal-banking/cds/5-year-cd
All captured Oct 16, 2026
Special-purpose accounts
Traditional and Roth IRA Certificates
Up to 3.19%APY · 4 terms
Additional deposits will not extend maturity date. A penalty may be imposed for early withdrawal from term accounts. Maximum additions to existing IRA Certificates with a term > 18 months are limited to year-end contributions, $25.00 minimum deposit. Larger deposit amounts (Rollovers and Transfers) may be allowed only to the 18 month IRA Certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsLarger deposit amounts (Rollovers and Transfers) may be allowed only to the 18 month IRA Certificate | 2.79% | $421 |
| 24 monthsMaximum additions to existing IRA Certificates with a term > 18 months are limited to year-end contributions, $25.00 minimum deposit | 3.19% | $648 |
| 30 monthsMaximum additions to existing IRA Certificates with a term > 18 months are limited to year-end contributions, $25.00 minimum deposit | 2.27% | $577 |
| 36 monthsMaximum additions to existing IRA Certificates with a term > 18 months are limited to year-end contributions, $25.00 minimum deposit | 2.51% | $772 |
Sources (2)
All captured Oct 16, 2026
Coverdell Educational Savings (CESA) Certificate of Deposit
Up to 2.79%APY · 4 terms
Coverdell Educational Savings Account (CESA) term accounts. At bank discretion, interest rates may change on all interest earning accounts. Fees may reduce earnings. A penalty may be imposed for early withdrawal from term accounts.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months | 2.79% | $421 |
| 24 months | 2.76% | $560 |
| 30 months | 2.27% | $577 |
| 36 months | 2.51% | $772 |
Sources (1)
- keysavingsbank.com/coverdale-educational-savings-rates · 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.