Bank · FDIC insured
Waldo State Bank CD Rates
Waldo State Bank’s best CD rate is 4.06% APY on a 9-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Waldo State Bank’s CD rates compare
Compared with banks and credit unions near Sheboygan, WI, where Waldo State Bank has the most branches. $10,000, best rate first.
This bank’s best
Waldo State Bank
4.06%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $303
Certificates of Deposit
Top rate
Kohler Credit Union
5.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $373
2nd-highest rate
Summit Credit Union
4.50%APY
- Term
- 16 months
- Minimum
- $500
- Earns on $10,000
- $604
Waldo State Bank CD score
83
CD score
Higher than 62% of U.S. banks and credit unions
- 3–8 months3–8 mo3.70%
- 9–15 months9–15 mo4.06%
- 16–30 months16–30 mo3.29%
- 31–60 months31–60 mo3.03%
- QualifiedQualified4.06%
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 Waldo State Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 4.06%APY · 10 terms
Substantial penalty may apply for early withdrawal. Daily balance method applies a daily periodic rate to principal. Quarterly compounding. 18 and 36 month CDs can also be Add-On CDs.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsTerm is 91 days | 3.03% | $75 |
| 6 monthsTerm is 182 days | 3.70% | $183 |
| 9 months | 4.06% | $303 |
| 9 monthsCD Special | 4.06% | $303 |
| 12 months | 3.70% | $370 |
| 18 monthsCan also be an Add-On CD | 2.78% | $420 |
| 24 months | 3.29% | $669 |
| 30 months | 3.03% | $775 |
| 36 monthsCan also be an Add-On CD | 3.03% | $937 |
| 48 months | 3.03% | $1,268 |
| 60 months | 3.03% | $1,610 |
Sources (3)
All captured Sep 18, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 3.70%APY · 8 terms
Substantial penalty may apply for early withdrawal. Daily balance method applies a daily periodic rate to principal. Quarterly compounding. 18 and 36 month IRA CDs can also be Add-On IRAs. Traditional and Roth IRA wrappers supported.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsTerm is 182 days | 3.70% | $183 |
| 12 months | 3.70% | $370 |
| 18 monthsCan also be an Add-On IRA | 2.78% | $420 |
| 24 months | 3.29% | $669 |
| 30 months | 3.03% | $775 |
| 36 monthsCan also be an Add-On IRA | 3.03% | $937 |
| 48 months | 3.03% | $1,268 |
| 60 months | 3.03% | $1,610 |
Sources (4)
- waldostate.bank/apy
- waldostate.bank/roth-ira
- waldostate.bank/traditional-ira
- waldostate.bank/waldo-state-ba…s-certificate-of-deposit
All captured Sep 18, 2026
Scholastic CD
3.03%APY · 1 term
Add-on CD available for ages 18 and younger (or 21 and younger per product page). Custodial account with $500 minimum to open, $100 minimum to deposit or withdraw. No penalty for withdrawals for education purposes. Calculation based on quarterly compounding.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 monthsAdd-on CD for 18 and Younger (or 21 and younger). $100 Minimum to Deposit or Withdraw. No penalty for withdrawals for Education | 3.03% | $1,610 |
Sources (3)
- waldostate.bank/apy
- waldostate.bank/personal-cds
- waldostate.bank/waldo-state-ba…s-certificate-of-deposit
All captured Sep 18, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.