Credit union · NCUA insured
Northwoods Community Credit Union CD Rates
Northwoods Community Credit Union’s best CD rate is 3.38% APY on a 6-month share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 16, 2026.
How Northwoods Community Credit Union’s CD rates compare
Compared with banks and credit unions in Wisconsin, where Northwoods Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Northwoods Community Credit Union
3.38%APY
- Term
- 6 months
- Minimum
- —
- Earns on $10,000
- $168
Share Certificate
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
Northwoods Community Credit Union CD score
65
CD score
Higher than 14% of U.S. banks and credit unions
- 3–8 months3–8 mo3.38%
- 9–15 months9–15 mo2.57%
- 16–30 months16–30 mo2.01%
- QualifiedQualified3.38%
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 Northwoods Community 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.
Share Certificate
Up to 3.38%APY · 4 terms
Membership required with a share savings account with a minimum balance of $5.00. Dividends compounded semi-annually. Subject to penalty for early withdrawal.
| Term | APY · $2,000 – $9,999 | APY · $10,000 – $49,999 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 3.33% | 3.33% | 3.33% | 3.33%3.33% $2k–$10k3.33% from $50k | $165 |
| 6 monthsWith Premier Account relationship. Premier checking requires $5,000.00 minimum average daily balance | 3.38% | 3.38% | 3.38% | 3.38%3.38% $2k–$10k3.38% from $50k | $168 |
| 12 months | 2.11% | 2.52% | 2.92% | 2.52%2.11% $2k–$10k2.92% from $50k | $252 |
| 12 monthsWith Premier Account relationship. Premier checking requires $5,000.00 minimum average daily balance | 2.16% | 2.57% | 2.97% | 2.57%2.16% $2k–$10k2.97% from $50k | $257 |
| 18 months | 1.81% | 1.91% | 2.01% | 1.91%1.81% $2k–$10k2.01% from $50k | $288 |
| 18 monthsWith Premier Account relationship. Premier checking requires $5,000.00 minimum average daily balance | 1.86% | 1.96% | 2.06% | 1.96%1.86% $2k–$10k2.06% from $50k | $295 |
| 24–36 monthsTerm is 24 Month or 36 Month | 1.86% | 1.96% | 2.06% | 1.96%1.86% $2k–$10k2.06% from $50k | $396 |
| 24–36 monthsTerm is 24 Month or 36 Month. With Premier Account relationship. Premier checking requires $5,000.00 minimum average daily balance | 1.91% | 2.01% | 2.11% | 2.01%1.91% $2k–$10k2.11% from $50k | $406 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Kids Club Account Share Certificates
5.06%APY · 1 term
Available to Teen Cents Club, Junior Savers, and Kangaroo Kids Club members. Must open a share savings account with a minimum balance of $5.00 and a youth account club savings (no minimum balance required). Dividends compound semi-annually. Subject to early withdrawal penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months$5,000.00 maximum aggregate investments per Club Member. $100.00 minimum balance to earn the APY | 5.06% | — |
Who can join Northwoods Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons residing, owning real estate property, or employed in Ashland, Bayfield, Forest, Douglas, Iron, Langlade, Lincoln, Oneida, Price, Rusk, Sawyer, Taylor, Vilas, or Washburn County, Wisconsin are eligible for membership.
Employers and groups
- Stockholders of Midland Services, Inc. (A&B Co-op Association), including present stockholders and individuals subsequently becoming stockholders, are eligible for membership.
Family and household
- Individuals closely related to someone residing in, owning property in, or employed in the 14 eligible Wisconsin counties are eligible for membership.
Other ways
- Members of record at the date of liquidation, February 1974, of the Couderay Area Credit Union, Couderay, WI are eligible for membership.
Cost to join
- Membership requires the purchase of at least one share with a par value of $5.00 into a share savings account.
Membership information collected October 5, 2026.