Credit union · NCUA insured
Wakota Federal Credit Union CD Rates
Wakota Federal Credit Union’s best CD rate is 3.25% APY on a 14-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Wakota Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Wakota Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Wakota Federal Credit Union
3.25%APY
- Term
- 14 months
- Minimum
- $500
- Earns on $10,000
- $380
Certificate Specials
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
Woodlands National Bank
4.87%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,684
Wakota Federal Credit Union CD score
65
CD score
Higher than 13% of U.S. banks and credit unions
- 3–8 months3–8 mo0.75%
- 9–15 months9–15 mo3.25%
- 16–30 months16–30 mo1.25%
- 31–60 months31–60 mo2.50%
- QualifiedQualified3.25%
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 Wakota Federal 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.
Certificate Specials
3.25%APY · 1 term
Maximum per membership deposit of $250,000. Do not automatically renew at maturity; funds transfer to primary share savings account 000 at maturity. Call WFCU to open.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 14 monthsDividends paid quarterly. Does not automatically renew at maturity; funds transfer to primary share savings account 000 at maturity. Call WFCU to open | 3.25% | $380 |
Sources (1)
- wakotafcu.org/accounts · captured Oct 16, 2026
Certificates
Up to 2.50%APY · 6 terms
Maximum deposit per membership is $1,000,000. Dividends are compounded and paid quarterly. Certificate balance is automatically renewed to the same term at maturity unless action is taken within the 10-day grace period. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends compounded and paid quarterly | 0.75% | $37 |
| 12 monthsDividends compounded and paid quarterly | 1.00% | $100 |
| 24 monthsDividends compounded and paid quarterly | 1.25% | $252 |
| 36 monthsDividends compounded and paid quarterly | 1.50% | $457 |
| 48 monthsDividends compounded and paid quarterly | 1.75% | $719 |
| 60 monthsDividends compounded and paid quarterly | 2.50% | $1,314 |
Sources (1)
- wakotafcu.org/accounts · captured Oct 16, 2026
STEP-UP Certificate
2.00%APY · 1 term
Allows a one-time fixed-rate increase if rates go up during the 36-month term. Call WFCU to open.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsIf rates go up, call for a one-time rate increase. Dividends paid quarterly | 2.00% | $612 |
Sources (1)
- wakotafcu.org/accounts · captured Oct 16, 2026
Who can join Wakota Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.