Credit union · NCUA insured
Teachers Credit Union Beloit CD Rates
Teachers Credit Union Beloit’s best CD rate is 3.55% APY on a 1-year share certificate (CD). Terms run from 3 months to 4 years. Rates checked October 5, 2026.
How Teachers Credit Union Beloit’s CD rates compare
Compared with banks and credit unions near Janesville, WI, where Teachers Credit Union Beloit has the most branches. $10,000, best rate first.
This credit union’s best
Teachers Credit Union Beloit
3.55%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $355
Share Certificate (CD)
Top rate
Advia Credit Union
4.61%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $422
2nd-highest rate
Summit Credit Union
4.50%APY
- Term
- 16 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $604
Teachers Credit Union Beloit CD score
70
CD score
Higher than 26% of U.S. banks and credit unions
- 3–8 months3–8 mo3.28%
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo2.78%
- 31–60 months31–60 mo2.98%
- QualifiedQualified3.55%
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 Teachers Credit Union Beloit 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 (CD)
Up to 3.55%APY · 8 terms
Requires $1,000 minimum balance to open ($5,000 for 18 month Special). Penalty for early withdrawal may be imposed. Dividends calculated by daily balance method. Membership requires purchase of a $5.00 share.
| Term | APY · $1,000 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsPenalty for early withdrawal may be imposed (90 days dividends on amount withdrawn for original maturity of 1 year or less) | 3.09% | — | 3.09% | $77 |
| 6 monthsPenalty for early withdrawal may be imposed (90 days dividends on amount withdrawn for original maturity of 1 year or less) | 3.28% | — | 3.28% | $164 |
| 12 monthsPenalty for early withdrawal may be imposed (90 days dividends on amount withdrawn for original maturity of 1 year or less) | 3.55% | — | 3.55% | $355 |
| 18 months18 month Special ($5,000 min.). Penalty for early withdrawal may be imposed. One withdrawal without penalty allowed if made more than one calendar week after issuance and balance does not drop below $2,500.00; otherwise 90 days dividends penalty | — | 2.57% | 2.57% | $388 |
| 18 monthsPenalty for early withdrawal may be imposed. One withdrawal without penalty allowed if made more than one calendar week after issuance and balance does not drop below $2,500.00; otherwise 90 days dividends penalty | 2.57% | — | 2.57% | $388 |
| 24 monthsPenalty for early withdrawal may be imposed (90 days dividends on amount withdrawn for original maturity of 24 months) | 2.68% | — | 2.68% | $543 |
| 30 monthsPenalty for early withdrawal may be imposed (180 days dividends on amount withdrawn for original maturity of more than 24 months) | 2.78% | — | 2.78% | $710 |
| 36 monthsPenalty for early withdrawal may be imposed (180 days dividends on amount withdrawn for original maturity of more than 24 months) | 2.88% | — | 2.88% | $889 |
| 48 monthsPenalty for early withdrawal may be imposed (180 days dividends on amount withdrawn for original maturity of more than 24 months) | 2.98% | — | 2.98% | $1,246 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificate
Up to 3.55%APY · 7 terms
IRA certificates are tax-deferred investments for retirement. Requires $1,000 minimum balance to open. Penalty for early withdrawal may be imposed. The 18 month certificate is not available for IRA accounts. Dividends calculated by daily balance method. Membership requires purchase of a $5.00 share.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPenalty for early withdrawal may be imposed (90 days dividends on amount withdrawn for original maturity of 1 year or less). Federal tax penalties may apply for early withdrawals | 3.09% | $77 |
| 6 monthsPenalty for early withdrawal may be imposed (90 days dividends on amount withdrawn for original maturity of 1 year or less). Federal tax penalties may apply for early withdrawals | 3.28% | $164 |
| 12 monthsPenalty for early withdrawal may be imposed (90 days dividends on amount withdrawn for original maturity of 1 year or less). Federal tax penalties may apply for early withdrawals | 3.55% | $355 |
| 24 monthsPenalty for early withdrawal may be imposed (90 days dividends on amount withdrawn for original maturity of 24 months). Federal tax penalties may apply for early withdrawals | 2.68% | $543 |
| 30 monthsPenalty for early withdrawal may be imposed (180 days dividends on amount withdrawn for original maturity of more than 24 months). Federal tax penalties may apply for early withdrawals | 2.78% | $710 |
| 36 monthsPenalty for early withdrawal may be imposed (180 days dividends on amount withdrawn for original maturity of more than 24 months). Federal tax penalties may apply for early withdrawals | 2.88% | $889 |
| 48 monthsPenalty for early withdrawal may be imposed (180 days dividends on amount withdrawn for original maturity of more than 24 months). Federal tax penalties may apply for early withdrawals | 2.98% | $1,246 |
Sources (2)
All captured Oct 5, 2026
Who can join Teachers Credit Union Beloit
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Membership is open to current and former students of school districts, post-secondary schools, and colleges; current/former employees of educational facilities, CESA#2, BAREA, YMCA, YWCA, and Boys and Girls Clubs; school board members; and state-licensed daycare providers, bus drivers, crossing guards, and food service employees located in Rock and Walworth Counties, WI, and Winnebago County, IL.
Family and household
- Membership is open to immediate family members of eligible students and individuals employed or servicing in any capacity at educational facilities in Rock and Walworth Counties, WI, and Winnebago County, IL.
Cost to join
- New members must purchase a $5 share in the credit union to open a savings account.
Membership information collected October 5, 2026.