Credit union · NCUA insured
Valley Communities Credit Union CD Rates
Top CarrotValley Communities Credit Union’s best CD rate is 3.04% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Valley Communities Credit Union’s CD rates compare
Compared with banks and credit unions near Wausau, WI, where Valley Communities Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Valley Communities Credit Union
3.04%APY
- Term
- 60 months
- Minimum
- $5,000
- Earns on $10,000
- $1,615
Share Certificates
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
Summit Credit Union
4.50%APY
- Term
- 16 months
- Minimum
- $500
- Earns on $10,000
- $604
Valley Communities Credit Union CD score
68
CD score
Higher than 21% of U.S. banks and credit unions
- 3–8 months3–8 mo0.91%
- 9–15 months9–15 mo2.85%
- 16–30 months16–30 mo2.89%
- 31–60 months31–60 mo3.04%
- QualifiedQualified3.04%
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 Valley Communities 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.
Special-purpose accounts
Share Certificates
Up to 3.04%APY · 6 terms
Fixed rates, dividends paid monthly. Early withdrawal penalties apply. $5,000 minimum deposit to open ($500 for minors).
| Term | APY · $500 and up | APY · $5,000 and up | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsEarly withdrawal penalties apply | — | 0.91% | — | 0.91% | $45 |
| 12 monthsEarly withdrawal penalties apply | — | 2.84% | — | 2.84% | $284 |
| 12 monthsMinor Share Certificate. Minors share certificates will transfer to an open share account on the first maturity date after member turns 18 | 2.85% | — | — | 2.85% | $285 |
| 12 monthsSpecial 12-month certificate. Early withdrawal penalties apply | — | — | 2.89% | —2.89% from $25k | — |
| 24 monthsEarly withdrawal penalties apply | — | 2.89% | — | 2.89% | $586 |
| 36 monthsEarly withdrawal penalties apply | — | 2.94% | — | 2.94% | $908 |
| 48 monthsEarly withdrawal penalties apply | — | 2.99% | — | 2.99% | $1,251 |
| 60 monthsEarly withdrawal penalties apply | — | 3.04% | — | 3.04% | $1,615 |
IRA Certificates
Up to 3.03%APY · 5 terms
Traditional or Roth IRA Certificate. No monthly service charge. Dividends compounded and credited quarterly. Early withdrawal penalties apply.
| Term | APY · $5,000 and up | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsEarly withdrawal penalties apply | 2.83% | 2.88% | 2.83%2.88% from $25k | $283 |
| 24 monthsEarly withdrawal penalties apply | 2.88% | — | 2.88% | $584 |
| 36 monthsEarly withdrawal penalties apply | 2.93% | — | 2.93% | $905 |
| 48 monthsEarly withdrawal penalties apply | 2.98% | — | 2.98% | $1,246 |
| 60 monthsEarly withdrawal penalties apply | 3.03% | — | 3.03% | $1,610 |
Who can join Valley Communities Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to all persons who live, work, or own property in Adams, Clark, Juneau, Lincoln, Marathon, Portage, Shawano, Taylor, Waupaca, Waushara, or Wood counties.
Membership information collected October 5, 2026.