Credit union · NCUA insured
UW Credit Union CD Rates
Top CarrotUW Credit Union’s best CD rate is 4.25% APY on a 14-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How UW Credit Union’s CD rates compare
Compared with banks and credit unions near Madison, WI, where UW Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
UW Credit Union
4.20%APY
- Term
- 14 months
- Minimum
- —
- Earns on $10,000
- $492
Certificates Specials
Top rate
Madison Fire Department Credit Union
4.55%APY
- Term
- 16 months
- Minimum
- —
- Earns on $10,000
- $611
2nd-highest rate
Summit Credit Union
4.50%APY
- Term
- 16 months
- Minimum
- $500
- Earns on $10,000
- $604
UW Credit Union CD score
89
CD score
Higher than 85% of U.S. banks and credit unions
- 3–8 months3–8 mo4.05%
- 9–15 months9–15 mo4.20%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.30%
- QualifiedQualified4.20%
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 UW 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.
Certificates Specials
Up to 4.20%APY · 2 terms
Dividends compounded daily and paid quarterly. Early withdrawal penalties apply.
| Term | APY · $5,000 and up | APY · $10,000 and up | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 7 months | 4.00% | 4.05% | 4.10% | 4.00%4.05% from $10k4.10% from $250k | $231 |
| 14 months | 4.15% | 4.20% | 4.25% | 4.15%4.20% from $10k4.25% from $250k | $486 |
Sources (1)
- uwcu.org/rates/certificates · captured Oct 16, 2026
Rate Bump Certificate
3.50%APY · 1 term
The rate on the account may be increased one time during the term, at any time, to the most current rate offered for the same Rate Bump Certificate term based on account balance.
| Term | APY · $5,000 and up | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 24 months | 3.50% | 3.60% | 3.50%3.60% from $250k | $712 |
Sources (1)
- uwcu.org/rates/certificates · captured Oct 16, 2026
No Penalty Certificate
Up to 3.30%APY · 1 term
No penalty for early withdrawal during the certificate term. Full or partial withdrawals may be made after the first 5 business days of the certificate term.
| Term | APY · $5,000 and up | APY · $10,000 and up | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 9 months | 3.25% | 3.30% | 3.35% | 3.25%3.30% from $10k3.35% from $250k | $243 |
Sources (1)
- uwcu.org/rates/certificates · captured Oct 16, 2026
Regular Certificate
Up to 3.30%APY · 10 terms
Dividends compounded daily and paid quarterly. Substantial penalties apply for premature withdrawal.
| Term | APY · $500 and up | APY · $10,000 and up | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 2.75% | 2.80% | 2.85% | 2.75%2.80% from $10k2.85% from $250k | $68 |
| 6 months | 3.00% | 3.05% | 3.10% | 3.00%3.05% from $10k3.10% from $250k | $149 |
| 9 months | 3.25% | 3.30% | 3.35% | 3.25%3.30% from $10k3.35% from $250k | $243 |
| 12 months | 3.25% | 3.30% | 3.35% | 3.25%3.30% from $10k3.35% from $250k | $325 |
| 18 months | 3.25% | 3.30% | 3.35% | 3.25%3.30% from $10k3.35% from $250k | $491 |
| 24 months | 3.25% | 3.30% | 3.35% | 3.25%3.30% from $10k3.35% from $250k | $661 |
| 30 months | 3.25% | 3.30% | 3.35% | 3.25%3.30% from $10k3.35% from $250k | $832 |
| 36 months | 3.25% | 3.30% | 3.35% | 3.25%3.30% from $10k3.35% from $250k | $1,007 |
| 48 months | 3.25% | 3.30% | 3.35% | 3.25%3.30% from $10k3.35% from $250k | $1,365 |
| 60 months | 3.25% | 3.30% | 3.35% | 3.25%3.30% from $10k3.35% from $250k | $1,734 |
Sources (2)
All captured Oct 5, 2026
Smart Saver Certificate
Up to 1.75%APY · 2 terms
Add deposits anytime. Minimum balance to open is $250 if adding deposits of at least $25 per month via automatic transfer or Web Branch, otherwise $500. $100,000 maximum balance. Dividends compounded daily and paid quarterly.
| Term | APY · $250 – $100,000 | APY · $10,000 – $100,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 18 months | 1.55% | 1.60% | 1.55%1.60% $10k–$100k | $233 |
| 30 months | 1.70% | 1.75% | 1.70%1.75% $10k–$100k | $430 |
Sources (1)
- uwcu.org/rates/certificates · captured Oct 16, 2026
Smart Saver Plus Certificate
Up to 0.72%APY · 1 term
During December, principal may be withdrawn without penalty before maturity as long as at least $250 remains. $100,000 maximum balance.
| Term | APY · $250 – $100,000 | APY · $10,000 – $100,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 months | 0.67% | 0.72% | 0.67%0.72% $10k–$100k | $67 |
Sources (1)
- uwcu.org/rates/certificates · captured Oct 16, 2026
Special-purpose accounts
IRA Certificate Specials
Up to 3.85%APY · 2 terms
Dividends compounded daily and paid monthly. Substantial penalties will be charged if certificate funds are withdrawn prematurely. Available as Traditional or Roth IRA.
| Term | APY · $500 and up | APY · $10,000 and up | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 7 months | 3.80% | 3.85% | 3.90% | 3.80%3.85% from $10k3.90% from $250k | $220 |
| 15 months | 3.80% | 3.85% | 3.90% | 3.80%3.85% from $10k3.90% from $250k | $477 |
Sources (1)
- uwcu.org/rates/iras · captured Oct 16, 2026
IRA Certificates
Up to 3.30%APY · 10 terms
Dividends compounded daily and paid monthly. Substantial penalties will be charged if certificate funds are withdrawn prematurely. Available as Traditional or Roth IRA.
| Term | APY · $500 and up | APY · $10,000 and up | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 2.75% | 2.80% | 2.85% | 2.75%2.80% from $10k2.85% from $250k | $68 |
| 6 months | 3.00% | 3.05% | 3.10% | 3.00%3.05% from $10k3.10% from $250k | $149 |
| 9 months | 3.25% | 3.30% | 3.35% | 3.25%3.30% from $10k3.35% from $250k | $243 |
| 12 months | 3.25% | 3.30% | 3.35% | 3.25%3.30% from $10k3.35% from $250k | $325 |
| 18 months | 3.25% | 3.30% | 3.35% | 3.25%3.30% from $10k3.35% from $250k | $491 |
| 24 months | 3.25% | 3.30% | 3.35% | 3.25%3.30% from $10k3.35% from $250k | $661 |
| 30 months | 3.25% | 3.30% | 3.35% | 3.25%3.30% from $10k3.35% from $250k | $832 |
| 36 months | 3.25% | 3.30% | 3.35% | 3.25%3.30% from $10k3.35% from $250k | $1,007 |
| 48 months | 3.25% | 3.30% | 3.35% | 3.25%3.30% from $10k3.35% from $250k | $1,365 |
| 60 months | 3.25% | 3.30% | 3.35% | 3.25%3.30% from $10k3.35% from $250k | $1,734 |
Who can join UW Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work or attend school within 5 miles of any branch location are eligible for membership.
Employers and groups
- Current and former employees of listed affiliated organizations and select employers are eligible for membership.
Military, government and schools
- Wisconsin residents who are currently enrolled at or have previously attended any accredited institution of higher education worldwide are eligible for membership.
- Employees, students, and alumni of listed University of Wisconsin schools, colleges, and extensions are eligible for membership.
Family and household
- Immediate family members (spouse, parent, child, stepchild, stepparent, grandparent, grandchild, sibling, adoptive parent/child) of any eligible person, or persons of the same residence maintaining a single economic unit, are eligible for membership.
Membership information collected October 5, 2026.