Credit union · NCUA insured
WCCU Credit Union CD Rates
WCCU Credit Union’s best CD rate is 4.20% APY on a 22-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How WCCU Credit Union’s CD rates compare
Compared with banks and credit unions near Baraboo, WI, where WCCU Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
WCCU Credit Union
4.20%APY
- Term
- 22 months
- Minimum
- $1,000
- Earns on $10,000
- $783
Special 22-Month Certificate
Top rate
Summit Credit Union
4.50%APY
- Term
- 16 months
- Minimum
- $500
- Earns on $10,000
- $604
2nd-highest rate
Associated Bank
4.40%APY
- Term
- 13 months
- Minimum
- $5,000
- Earns on $10,000
- $478
WCCU Credit Union CD score
86
CD score
Higher than 74% of U.S. banks and credit unions
- 3–8 months3–8 mo3.60%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo4.20%
- 31–60 months31–60 mo3.50%
- 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 WCCU 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 22-Month Certificate
4.20%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 22 months | 4.20% | $783 |
Sources (1)
- wccu.coop/rates · captured Oct 5, 2026
Special 30-Month Certificate
4.10%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 30 months | 4.10% | $1,057 |
Sources (1)
- wccu.coop/rates · captured Oct 5, 2026
Share Certificates
Up to 3.75%APY · 8 terms
Dividends for 3-month and 6-month certificates are paid at maturity. Dividends for 1-year through 5-year certificates are paid quarterly.
| Term | APY · $500 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsDividends paid at maturity | 1.90% | 2.00% | 1.90%2.00% from $10k | $47 |
| 6 monthsDividends paid at maturity | 3.50% | 3.60% | 3.50%3.60% from $10k | $173 |
| 12 monthsDividends paid quarterly | 3.65% | 3.75% | 3.65%3.75% from $10k | $365 |
| 18 monthsDividends paid quarterly | 3.50% | 3.60% | 3.50%3.60% from $10k | $530 |
| 24 monthsDividends paid quarterly | 3.20% | 3.30% | 3.20%3.30% from $10k | $650 |
| 36 monthsDividends paid quarterly | 3.20% | 3.30% | 3.20%3.30% from $10k | $991 |
| 48 monthsDividends paid quarterly | 3.20% | 3.30% | 3.20%3.30% from $10k | $1,343 |
| 60 monthsDividends paid quarterly | 3.40% | 3.50% | 3.40%3.50% from $10k | $1,820 |
Special-purpose accounts
IRA Certificates
Up to 3.75%APY · 6 terms
Requires $1,000 minimum deposit and 12-month minimum term. Dividends paid quarterly.
| Term | APY · $1,000 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsDividends paid quarterly | 3.65% | 3.75% | 3.65%3.75% from $10k | $365 |
| 18 monthsDividends paid quarterly | 3.50% | 3.60% | 3.50%3.60% from $10k | $530 |
| 24 monthsDividends paid quarterly | 3.20% | 3.30% | 3.20%3.30% from $10k | $650 |
| 36 monthsDividends paid quarterly | 3.20% | 3.30% | 3.20%3.30% from $10k | $991 |
| 48 monthsDividends paid quarterly | 3.20% | 3.30% | 3.20%3.30% from $10k | $1,343 |
| 60 monthsDividends paid quarterly | 3.40% | 3.50% | 3.40%3.50% from $10k | $1,820 |
Who can join WCCU Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Any person residing or employed in Dane County is eligible.
Employers and groups
- Employees, members, or patrons of any cooperative operating in specified counties (and employees of associations/organizations of such cooperatives) who reside, attend school, own real estate, or are employed in Adams, Columbia, Crawford, Grant, Green, Green Lake, Iowa, Juneau, La Crosse, Lafayette, Marquette, Monroe, Richland, Sauk, Vernon, or Waushara County are eligible.
- Employees, members, or patrons of any cooperative operating in Dane County, and employees of associations or organizations of such cooperatives in Dane County, are eligible.
- Employees of WCCU Credit Union are eligible.
Family and household
- Immediate family members (including spouse, parents, stepchildren, and children, whether or not residing in the same household) of eligible persons, and any other relative of an eligible person or spouse residing in the same household, are eligible.
Other ways
- Customers of record at Citizen’s Community Federal Bank effective January 17, 2014 are eligible.
2 more ways to join
Other ways
- Organizations, associations, and trusts meeting specified eligibility criteria (location or majority eligible leadership/beneficiaries) are eligible.
- Public depositors may become members in the manner provided in WCCU’s bylaws.
Membership information collected October 5, 2026.