Credit union · NCUA insured
Tomah Area Credit Union CD Rates
Top CarrotTomah Area Credit Union’s best CD rate is 4.25% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Tomah Area Credit Union’s CD rates compare
Compared with banks and credit unions near Sparta, WI, where Tomah Area Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Tomah Area Credit Union
4.25%APY
- Term
- 12 months
- Minimum
- $100
- Earns on $10,000
- $425
Share Certificates
Top rate
River Bank
4.30%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $430
2nd-highest rate
Bank of Cashton
4.30%APY
- Term
- 60 months
- Minimum
- $5,000
- Earns on $10,000
- $2,343
Tomah Area Credit Union CD score
89
CD score
Higher than 89% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo3.25%
- QualifiedQualified4.25%
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 Tomah Area 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 4.25%APY · 8 terms
Certificate penalty for early withdrawals applies; during the first three months all dividends are forfeited.
| Term | APY · $100 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 2.00% | — | 2.00% | $50 |
| 6 months | — | 3.50% | 3.50% | $173 |
| 12 months | 4.25% | — | 4.25% | $425 |
| 18 months | 4.25% | — | 4.25% | $644 |
| 24 months | 3.75% | — | 3.75% | $764 |
| 36 months | 3.25% | — | 3.25% | $1,007 |
| 48 months | 3.25% | — | 3.25% | $1,365 |
| 60 months | 3.25% | — | 3.25% | $1,734 |
Sources (3)
All captured Sep 18, 2026
Special-purpose accounts
IRA Certificates
Up to 4.25%APY · 8 terms
Available as Traditional, Roth, and Coverdell ESA Share Certificates. No annual maintenance fees. Early withdrawal penalty applies.
| Term | APY · $100 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 2.00% | — | 2.00% | $50 |
| 6 months | — | 3.50% | 3.50% | $173 |
| 12 months | 4.25% | — | 4.25% | $425 |
| 18 months | 4.25% | — | 4.25% | $644 |
| 24 months | 3.75% | — | 3.75% | $764 |
| 36 months | 3.25% | — | 3.25% | $1,007 |
| 48 months | 3.25% | — | 3.25% | $1,365 |
| 60 months | 3.25% | — | 3.25% | $1,734 |
Sources (3)
All captured Sep 18, 2026
Who can join Tomah Area 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 or organizations residing or employed in Adams County, Jackson County, Juneau County, La Crosse County, Monroe County, or Vernon County, Wisconsin are eligible for membership.
Employers and groups
- Any employee of TACU Credit Union is eligible for membership.
Military, government and schools
- Membership is open to a public depositor.
Family and household
- Immediate family members of any other eligible person are eligible for membership.
Other ways
- Any business, organization, association, or trust where a majority of qualifying stakeholders/parties are eligible may become a member.
Membership information collected October 5, 2026.