Bank · FDIC insured
Ladysmith Federal CD Rates
Top CarrotLadysmith Federal’s best CD rate is 4.25% APY on a 6-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Ladysmith Federal’s CD rates compare
Compared with banks and credit unions in Wisconsin, where Ladysmith Federal has the most branches. $10,000, best rate first.
This bank’s best
Ladysmith Federal
4.25%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $210
Certificates 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
Ladysmith Federal CD score
90
CD score
Higher than 91% of U.S. banks and credit unions
- 3–8 months3–8 mo4.25%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo2.47%
- QualifiedQualified4.25%
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 Ladysmith Federal 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 4.25%APY · 6 terms
Built-in flexibility Triple Choice options available at account opening: Boost It (one-time rate change extending the term), Access It, or Build It. Early withdrawal penalty applies: penalty equal to all interest for terms 3 to 6 months; 12 months interest for terms greater than 6 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.60% | $15 |
| 6 months | 4.25% | $210 |
| 12 months | 4.25% | $425 |
| 24 months | 4.00% | $816 |
| 36 months | 2.47% | $759 |
| 60 months | 2.47% | $1,298 |
Sources (3)
- ladysmithfederal.com/personal.html
- ladysmithfederal.com/rates.html
- ladysmithfederal.com/certificates-of-deposit.html
All captured Oct 16, 2026
Special-purpose accounts
Individual Retirement Accounts
Up to 4.11%APY · 6 terms
Available as Traditional IRA or Roth IRA. Must be opened in-person. Traditional and Roth IRAs earn 0.25% higher interest than standard CDs for the same term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.85% | $21 |
| 6 months | 4.11% | $203 |
| 12 months | 3.95% | $395 |
| 24 months | 2.67% | $541 |
| 36 months | 2.72% | $838 |
| 60 months | 2.72% | $1,436 |
Sources (3)
- ladysmithfederal.com/personal.html
- ladysmithfederal.com/individual-retirement-accounts.html
- ladysmithfederal.com/rates.html
All 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.