Credit union · NCUA insured
Madison Credit Union CD Rates
Madison Credit Union’s best CD rate is 3.03% APY on a 1-year share certificate (CD). Terms run from 3 months to 30 months. Rates checked October 16, 2026.
How Madison Credit Union’s CD rates compare
Compared with banks and credit unions near Madison, WI, where Madison Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Madison Credit Union
3.03%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $303
Certificates
Top rate
Madison Fire Department Credit Union
4.55%APY
- Term
- 16 months
- Minimum
- —
- Earns on $10,000
- $611
2nd-highest rate
Summit Credit Union
4.50%APY
- Term
- 16 months
- Minimum
- $500
- Earns on $10,000
- $604
Madison Credit Union CD score
65
CD score
Higher than 14% of U.S. banks and credit unions
- 3–8 months3–8 mo0.75%
- 9–15 months9–15 mo3.03%
- 16–30 months16–30 mo3.03%
- QualifiedQualified3.03%
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 Madison 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.
Certificates
Up to 3.03%APY · 6 terms
Certificates are subject to early withdrawal penalties and renew automatically.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsTerm is 91 Days. Dividend period and declaration date at maturity. Early withdrawal penalty forfeits all dividends accrued on entire balance | — | 0.50% | 0.50% | $13 |
| 6–12 monthsTerm is 6-12 Months. Dividend period and declaration date at maturity. Early withdrawal penalty equals 90 days dividends on entire balance | — | 0.75% | 0.75% | $37 |
| 12 monthsTerm is 1 Year ($1,000 minimum). Dividends compounded and credited quarterly. Early withdrawal penalty equals 90 days dividends on entire balance | — | 3.03% | 3.03% | $303 |
| 12 monthsTerm is 1 Year ($500 investment option). Dividends compounded and credited quarterly. Early withdrawal penalty equals 90 days dividends on entire balance | 0.75% | — | 0.75% | $75 |
| 18 monthsTerm is 1.5 Year (18 Months). Dividends compounded and credited quarterly. Early withdrawal penalty equals 90 days dividends on entire balance | — | 3.03% | 3.03% | $458 |
| 24 monthsTerm is 2 Years. Dividends compounded and credited quarterly. Early withdrawal penalty equals 90 days dividends on entire balance | — | 3.03% | 3.03% | $615 |
| 30 monthsTerm is 2.5 Years (30 Months). Dividends compounded and credited quarterly. Early withdrawal penalty equals 90 days dividends on entire balance | — | 2.52% | 2.52% | $642 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Security Plus Club Certificate
3.09%APY · 1 term
Certificates are subject to early withdrawal penalties and renew automatically.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsTerm is 1 Year. Dividends compounded and credited quarterly. Early withdrawal penalty equals 90 days dividends on entire balance | 3.09% | $309 |
Sources (2)
All captured Sep 18, 2026
IRA Certificates
Up to 3.03%APY · 3 terms
Applies to Traditional, Roth & Educational IRAs. All IRA Certificates automatically renew at maturity with a 10-day grace period. Early withdrawal penalty equals 90 days dividends on the entire balance, and accounts are subject to IRS guidelines.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsTerm is 1 Year. Dividend period is quarterly | 3.03% | $303 |
| 18 monthsTerm is 1.5 Years (18 Months). Dividend period is quarterly | 3.03% | $458 |
| 30 monthsTerm is 2.5 Years (30 Months). Dividend period is quarterly | 2.52% | $642 |
Sources (2)
All captured Sep 18, 2026
Youth Savings Club Certificate
0.75%APY · 1 term
Certificates are subject to early withdrawal penalties and renew automatically.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsTerm is 1 Year. Dividends compounded and credited quarterly. Early withdrawal penalty equals 90 days dividends on entire balance | 0.75% | $75 |
Sources (2)
All captured Sep 18, 2026
Who can join Madison Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in Dane, Dodge, Columbia, Green, Iowa, Jefferson, Rock, Sauk, or Walworth County in Wisconsin are eligible for membership.
Military, government and schools
- Employees and elected officials of the City of Madison, Madison Metropolitan School District, or the County of Dane are eligible for membership.
Family and household
- Immediate family members (parent, spouse, or child) of a Madison Credit Union member, or relatives living in the same household as a member, are eligible for membership.
Membership information collected October 5, 2026.