Bank · FDIC insured
Oakwood Bank CD Rates
Oakwood Bank’s best CD rate is 4.32% APY on an 11-month CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Oakwood Bank’s CD rates compare
Compared with banks and credit unions near Eau Claire, WI, where Oakwood Bank has the most branches. $10,000, best rate first.
This bank’s best
Oakwood Bank
4.32%APY
- Term
- 11 months
- Minimum
- $5,000
- Earns on $10,000
- $395
Certificates 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
Oakwood Bank CD score
88
CD score
Higher than 84% of U.S. banks and credit unions
- 3–8 months3–8 mo1.00%
- 9–15 months9–15 mo4.32%
- 16–30 months16–30 mo3.29%
- 31–60 months31–60 mo4.06%
- QualifiedQualified4.32%
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 Oakwood 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 4.32%APY · 8 terms
The minimum deposit for each CD is also the minimum balance to obtain the APY. A penalty may be imposed for early withdrawal.
| Term | APY · $100 and up | APY · $1,000 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsThe minimum deposit for each CD is also the minimum balance to obtain the APY. A penalty may be imposed for early withdrawal | 1.00% | — | — | 1.00% | $50 |
| 11 monthsThe minimum deposit for each CD is also the minimum balance to obtain the APY. A penalty may be imposed for early withdrawal | — | — | 4.32% | 4.32% | $395 |
| 12 monthsThe minimum deposit for each CD is also the minimum balance to obtain the APY. A penalty may be imposed for early withdrawal | 1.76% | — | — | 1.76% | $176 |
| 18 monthsThe minimum deposit for each CD is also the minimum balance to obtain the APY. A penalty may be imposed for early withdrawal | 1.86% | — | — | 1.86% | $280 |
| 24 monthsThe minimum deposit for each CD is also the minimum balance to obtain the APY. A penalty may be imposed for early withdrawal | 3.29% | — | — | 3.29% | $669 |
| 36 monthsThe minimum deposit for each CD is also the minimum balance to obtain the APY. A penalty may be imposed for early withdrawal | 3.55% | — | — | 3.55% | $1,103 |
| 48 monthsThe minimum deposit for each CD is also the minimum balance to obtain the APY. A penalty may be imposed for early withdrawal | 3.80% | — | — | 3.80% | $1,609 |
| 60 monthsThe minimum deposit for each CD is also the minimum balance to obtain the APY. A penalty may be imposed for early withdrawal | — | 4.06% | — | 4.06% | $2,202 |
Sources (1)
- oakwoodbank.net/personal-banking · 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.