Credit union · NCUA insured
Prospera Credit Union CD Rates
Prospera Credit Union’s best CD rate is 3.80% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Prospera Credit Union’s CD rates compare
Compared with banks and credit unions near Appleton, WI, where Prospera Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Prospera Credit Union
3.80%APY
- Term
- 60 months
- Minimum
- —
- Earns on $10,000
- $2,050
Share Certificates
Top rate
Community First Credit Union
5.05%APY
- Term
- 5 months
- Minimum
- —
- Earns on $10,000
- $207
2nd-highest rate
Capital Credit Union
5.00%APY
- Term
- 10 months
- Minimum
- $5,000
- Earns on $10,000
- $415
Prospera Credit Union CD score
78
CD score
Higher than 46% of U.S. banks and credit unions
- 3–8 months3–8 mo2.30%
- 9–15 months9–15 mo3.00%
- 16–30 months16–30 mo3.35%
- 31–60 months31–60 mo3.80%
- QualifiedQualified3.80%
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 Prospera 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 Certificates
Up to 3.80%APY · 7 terms
Dividends are compounded monthly. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum Balance to Earn APY: $500 | 2.30% | $114 |
| 12 monthsMinimum Balance to Earn APY: $500 | 3.00% | $300 |
| 18 monthsMinimum Balance to Earn APY: $500 | 3.15% | $476 |
| 24 monthsMinimum Balance to Earn APY: $500 | 3.35% | $681 |
| 36 monthsMinimum Balance to Earn APY: $500 | 3.50% | $1,087 |
| 48 monthsMinimum Balance to Earn APY: $500 | 3.65% | $1,542 |
| 60 monthsMinimum Balance to Earn APY: $500 | 3.80% | $2,050 |
Sources (2)
- myprospera.com/checking-savings/account-rates
- myprospera.com/checking-saving…ccount-share-certificate
All captured Oct 5, 2026
Special-purpose accounts
Share Certificates Specials
4.50%APY · 1 term
Checking account required. Also available for Traditional, Roth or SEP IRAs. IRA rules and restrictions apply. Dividends are compounded monthly. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 11 monthsChecking Account Required. Minimum Balance to Earn APY: $5,000. Available for Traditional, Roth or SEP IRAs | 4.50% | $412 |
Sources (1)
- myprospera.com/checking-savings/account-rates · captured Oct 5, 2026
IRA Share Certificates
Up to 3.80%APY · 7 terms
All certificate terms available for Traditional IRAs; 1-year term available for Roth or SEP IRAs. IRA rules and restrictions apply. Dividends are compounded monthly. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum Balance to Earn APY: $500. Available for Traditional IRAs | 2.30% | $114 |
| 12 monthsMinimum Balance to Earn APY: $500. Available for Traditional, Roth, or SEP IRAs | 3.00% | $300 |
| 18 monthsMinimum Balance to Earn APY: $500. Available for Traditional IRAs | 3.15% | $476 |
| 24 monthsMinimum Balance to Earn APY: $500. Available for Traditional IRAs | 3.35% | $681 |
| 36 monthsMinimum Balance to Earn APY: $500. Available for Traditional IRAs | 3.50% | $1,087 |
| 48 monthsMinimum Balance to Earn APY: $500. Available for Traditional IRAs | 3.65% | $1,542 |
| 60 monthsMinimum Balance to Earn APY: $500. Available for Traditional IRAs | 3.80% | $2,050 |
Sources (2)
- myprospera.com/checking-savings/account-rates
- myprospera.com/checking-saving…ccount-share-certificate
All captured Oct 5, 2026
Who can join Prospera Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone living or working in Wisconsin’s Outagamie, Winnebago, Brown, Calumet, Waupaca, Manitowoc, Waushara, Shawano, and Fond du lac counties is eligible for membership.
Employers and groups
- Printpac Acquisitions, Inc., a Wisconsin based company.
- Employees of RR Donnelly and all its solely owned subsidiary companies are eligible for membership.
Military, government and schools
- Teachers, administration, and students of Fox Valley Technical College and University of Wisconsin Center Fox Valley are eligible for membership.
- University of Wisconsin Oshkosh (UWO) current and previous university staff, academic staff, faculty, any employee of the organization currently holding the food service contract for UWO, and any officially recognized Association of UWO are eligible for membership.
- UWO students currently enrolled, previously enrolled, alumni, and/or who completed any classes at UWO are eligible for membership.
1 more way to join
Family and household
- Immediate family members of any other eligible person are eligible for membership.
Membership information collected October 5, 2026.