Bank · FDIC insured
Northwestern Bank CD Rates
Northwestern Bank’s best CD rate is 4.35% APY on a 19-month CD. Terms run from 3 months to 3 years. Rates checked October 16, 2026.
How Northwestern Bank’s CD rates compare
Compared with banks and credit unions near Eau Claire, WI, where Northwestern Bank has the most branches. $10,000, best rate first.
This bank’s best
Northwestern Bank
4.35%APY
- Term
- 19 months
- Minimum
- $1,000
- Earns on $10,000
- $697
Certificate of Deposit
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
Co-op Credit Union
4.70%APY
- Term
- 18 months
- Minimum
- $100
- Earns on $10,000
- $713
Northwestern Bank CD score
90
CD score
Higher than 90% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.20%
- 16–30 months16–30 mo4.35%
- 31–60 months31–60 mo2.27%
- QualifiedQualified4.35%
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 Northwestern 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 4.35%APY · 10 terms
Minimum balance to open an account is $1,000. Interest begins to accrue on the business day you make a deposit. Average daily balance method used to calculate interest. Additional deposits not permitted until maturity date. Early withdrawal penalty applies: less than 92 days is loss of interest on amount withdrawn or 1 month interest (whichever is greater); 92 days to 1 year is 3 months interest; greater than 1 year is 6 months interest. 10 calendar days grace period at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsTerm is 91 Day. Interest is compounded and credited at maturity | 0.50% | $12 |
| 6 monthsTerm is 182 Day. Interest is compounded and credited at maturity | 1.90% | $95 |
| 7 monthsCD Special. Interest is compounded and credited at maturity. This product automatically renews into our 6-Month product at maturity | 4.00% | $231 |
| 12 monthsInterest is compounded and credited monthly. Automatically renews at maturity | 2.00% | $200 |
| 13 monthsCD Special. Interest is compounded and credited monthly. This product automatically renews into our 12-Month product at maturity | 4.20% | $456 |
| 18 monthsInterest is compounded and credited monthly. Automatically renews at maturity | 2.17% | $327 |
| 19 monthsCD Special. Interest is compounded and credited monthly. This product automatically renews into our 18-month product at maturity | 4.35% | $697 |
| 24 monthsInterest is compounded and credited monthly. Automatically renews at maturity | 2.22% | $449 |
| 30 monthsInterest is compounded and credited monthly. Automatically renews at maturity | 2.22% | $564 |
| 36 monthsInterest is compounded and credited monthly. Automatically renews at maturity | 2.27% | $697 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Individual Retirement Account (IRA) CD
2.17%APY · 1 term
The minimum balance to open an 18-month IRA is $100. Interest is compounded and credited monthly. Average daily balance method used to calculate interest. Deposits after opening not permitted until maturity date. Early withdrawal penalty applies (6 months interest for terms over 1 year), with exceptions/waivers for death/incompetence, withdrawal within 7 days of establishment, or account owner being at least 59.5 years old or disabled. Automatically renews at maturity with a 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsInterest is compounded and credited monthly. Maintaining minimum balance of $100 obtains the annual percentage yield | 2.17% | $327 |
Sources (1)
- northwesternbank.com/you/save/deposit-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.