Credit union · NCUA insured
WESTconsin Credit Union CD Rates
Top CarrotWESTconsin Credit Union’s best CD rate is 4.01% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How WESTconsin Credit Union’s CD rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where WESTconsin Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
WESTconsin Credit Union
4.01%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $401
Share Certificate
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
WESTconsin Credit Union CD score
83
CD score
Higher than 62% of U.S. banks and credit unions
- 3–8 months3–8 mo2.38%
- 9–15 months9–15 mo4.01%
- 16–30 months16–30 mo3.76%
- 31–60 months31–60 mo3.04%
- QualifiedQualified4.01%
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 WESTconsin 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.
Step-Up Certificate
Up to 2.38%APY · 1 term
Open with $5,000 initial deposit. Make additional deposits of at least $1,000 anytime. Allows increasing the rate one time and making a one-time withdrawal of up to 50% of the original certificate amount without penalty. Compounded monthly. Early withdrawal penalties apply. Rates vary by MVP level.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsBasic MVP Level. Compounded monthly | 2.02% | $618 |
| 36 monthsGold MVP Level: active checking with 5+ posted transactions/month and minimum $30,000 average monthly household balance or first mortgage with balance. Compounded monthly | 2.38% | $731 |
| 36 monthsSilver MVP Level: active checking with 5+ posted transactions/month and minimum $15,000 average monthly household loan/deposit balance. Compounded monthly | 2.17% | $665 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Individual Retirement Account (IRA) Certificate
Up to 4.49%APY · 2 terms
Traditional or Roth IRA certificate options. No administration fees. Early withdrawal penalty: 365 days on IRAs. Rates vary by Membership Value Pricing (MVP) level.
| Term | APY · $50 and up | APY · $500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 18 months18 Month Fixed Rate IRA. Basic MVP Level. Compounded monthly | — | 2.58% | 2.58% | $389 |
| 18 months18 Month Fixed Rate IRA. Gold MVP Level: active checking with 5+ posted transactions/month and minimum $30,000 average monthly household balance or first mortgage with balance. Compounded monthly | — | 2.94% | 2.94% | $444 |
| 18 months18 Month Fixed Rate IRA. Silver MVP Level: active checking with 5+ posted transactions/month and minimum $15,000 average monthly household loan/deposit balance. Compounded monthly | — | 2.73% | 2.73% | $412 |
| 18 months18 Month Variable Rate IRA. Basic MVP Level. Compounded daily. Dividend rates and APYs may be changed monthly after account is opened | 4.49% | — | 4.49% | $681 |
| 60 months60 Month Fixed Rate IRA. Basic MVP Level. Compounded monthly | — | 2.68% | 2.68% | $1,414 |
| 60 months60 Month Fixed Rate IRA. Gold MVP Level: active checking with 5+ posted transactions/month and minimum $30,000 average monthly household balance or first mortgage with balance. Compounded monthly | — | 3.04% | 3.04% | $1,615 |
| 60 months60 Month Fixed Rate IRA. Silver MVP Level: active checking with 5+ posted transactions/month and minimum $15,000 average monthly household loan/deposit balance. Compounded monthly | — | 2.84% | 2.84% | $1,503 |
Sources (2)
All captured Oct 5, 2026
Share Certificate
Up to 4.01%APY · 8 terms
Dividends calculated daily, credited and compounded monthly (or at maturity for 3 Month). Early withdrawal penalties apply. Rates vary by Membership Value Pricing (MVP) level. Minimum deposit $1,000 ($500 for age 16 and younger) unless otherwise stated.
| Term | APY · $1,000 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsBasic MVP Level. Compounded at maturity | — | 0.40% | 0.40% | $10 |
| 3 monthsGold MVP Level: active checking with 5+ posted transactions/month and minimum $30,000 average monthly household balance or first mortgage with balance. Compounded at maturity | — | 0.75% | 0.75% | $19 |
| 3 monthsSilver MVP Level: active checking with 5+ posted transactions/month and minimum $15,000 average monthly household loan/deposit balance. Compounded at maturity | — | 0.55% | 0.55% | $14 |
| 6 monthsBasic MVP Level. Compounded monthly | 2.02% | — | 2.02% | $100 |
| 6 monthsGold MVP Level: active checking with 5+ posted transactions/month and minimum $30,000 average monthly household balance or first mortgage with balance. Compounded monthly | 2.38% | — | 2.38% | $118 |
| 6 monthsSilver MVP Level: active checking with 5+ posted transactions/month and minimum $15,000 average monthly household loan/deposit balance. Compounded monthly | 2.17% | — | 2.17% | $108 |
| 12 monthsBasic MVP Level. Compounded monthly | 3.65% | — | 3.65% | $365 |
| 12 monthsGold MVP Level: active checking with 5+ posted transactions/month and minimum $30,000 average monthly household balance or first mortgage with balance. Compounded monthly | 4.01% | — | 4.01% | $401 |
| 12 monthsSilver MVP Level: active checking with 5+ posted transactions/month and minimum $15,000 average monthly household loan/deposit balance. Compounded monthly | 3.80% | — | 3.80% | $380 |
| 18 monthsBasic MVP Level. Compounded monthly | 3.09% | — | 3.09% | $467 |
| 18 monthsGold MVP Level: active checking with 5+ posted transactions/month and minimum $30,000 average monthly household balance or first mortgage with balance. Compounded monthly | 3.45% | — | 3.45% | $522 |
| 18 monthsSilver MVP Level: active checking with 5+ posted transactions/month and minimum $15,000 average monthly household loan/deposit balance. Compounded monthly | 3.25% | — | 3.25% | $491 |
| 24 monthsBasic MVP Level. Compounded monthly | 3.40% | — | 3.40% | $692 |
| 24 monthsGold MVP Level: active checking with 5+ posted transactions/month and minimum $30,000 average monthly household balance or first mortgage with balance. Compounded monthly | 3.76% | — | 3.76% | $766 |
| 24 monthsSilver MVP Level: active checking with 5+ posted transactions/month and minimum $15,000 average monthly household loan/deposit balance. Compounded monthly | 3.56% | — | 3.56% | $725 |
| 36 monthsBasic MVP Level. Compounded monthly | 2.48% | — | 2.48% | $763 |
| 36 monthsGold MVP Level: active checking with 5+ posted transactions/month and minimum $30,000 average monthly household balance or first mortgage with balance. Compounded monthly | 2.84% | — | 2.84% | $876 |
| 36 monthsSilver MVP Level: active checking with 5+ posted transactions/month and minimum $15,000 average monthly household loan/deposit balance. Compounded monthly | 2.63% | — | 2.63% | $810 |
| 48 monthsBasic MVP Level. Compounded monthly | 2.58% | — | 2.58% | $1,073 |
| 48 monthsGold MVP Level: active checking with 5+ posted transactions/month and minimum $30,000 average monthly household balance or first mortgage with balance. Compounded monthly | 2.94% | — | 2.94% | $1,229 |
| 48 monthsSilver MVP Level: active checking with 5+ posted transactions/month and minimum $15,000 average monthly household loan/deposit balance. Compounded monthly | 2.73% | — | 2.73% | $1,138 |
| 60 monthsBasic MVP Level. Compounded monthly | 2.68% | — | 2.68% | $1,414 |
| 60 monthsGold MVP Level: active checking with 5+ posted transactions/month and minimum $30,000 average monthly household balance or first mortgage with balance. Compounded monthly | 3.04% | — | 3.04% | $1,615 |
| 60 monthsSilver MVP Level: active checking with 5+ posted transactions/month and minimum $15,000 average monthly household loan/deposit balance. Compounded monthly | 2.84% | — | 2.84% | $1,503 |
Sources (2)
All captured Oct 5, 2026
Fixed Rate Health Savings Certificate
Up to 2.89%APY · 1 term
12 Month Fixed Rate Health Savings certificate. Compounded monthly. Early withdrawal penalty applies (365 days on Health Savings Accounts). Rates vary by MVP level.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsBasic MVP Level. Compounded monthly | 2.53% | $253 |
| 12 monthsGold MVP Level: active checking with 5+ posted transactions/month and minimum $30,000 average monthly household balance or first mortgage with balance. Compounded monthly | 2.89% | $289 |
| 12 monthsSilver MVP Level: active checking with 5+ posted transactions/month and minimum $15,000 average monthly household loan/deposit balance. Compounded monthly | 2.68% | $268 |
Sources (1)
- westconsincu.org/rates/savings-rates · captured Oct 5, 2026
Who can join WESTconsin Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.