Credit union · NCUA insured
Winnebago Community Credit Union CD Rates
Top CarrotWinnebago Community Credit Union’s best CD rate is 4.10% APY on an 8-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Winnebago Community Credit Union’s CD rates compare
Compared with banks and credit unions near Oshkosh, WI, where Winnebago Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Winnebago Community Credit Union
4.10%APY
- Term
- 8 months
- Minimum
- $5,000
- Earns on $10,000
- $271
8-Month Share Certificate Special
Top rate
Community First Credit Union
5.05%APY
- Term
- 5 months
- Minimum
- —
- Earns on $10,000
- $207
2nd-highest rate
Capital Credit Union
5.00%APY
- Term
- 10 months
- Minimum
- $5,000
- Earns on $10,000
- $415
Winnebago Community Credit Union CD score
82
CD score
Higher than 60% of U.S. banks and credit unions
- 3–8 months3–8 mo4.10%
- 9–15 months9–15 mo3.00%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.25%
- QualifiedQualified4.10%
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 Winnebago Community 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.
8-Month Share Certificate Special
4.10%APY · 1 term
Membership eligibility required. NCUA insured. Certificate dividends compound monthly. Early withdrawal penalty may be imposed. Minimum deposit/balance of $5,000 to open and earn APY. Rates subject to change.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 8 monthsCertificate dividends compound monthly. Early withdrawal penalty may be imposed. Minimum deposit/balance of $5,000 to open/earn APY | 4.10% | $271 |
Sources (2)
All captured Sep 18, 2026
Share Certificates
Up to 3.25%APY · 9 terms
Membership eligibility required. NCUA insured. Constant dollar amount invested; no deposits or withdrawals allowed. Early withdrawal penalty applies. Certificate dividends compound monthly. APY assumes dividends remain until maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsConstant dollar amount invested; no deposits or withdrawals allowed. Penalty for early withdrawal. Dividends compound monthly | 1.00% | $25 |
| 6 monthsConstant dollar amount invested; no deposits or withdrawals allowed. Penalty for early withdrawal. Dividends compound monthly | 1.25% | $62 |
| 12 monthsConstant dollar amount invested; no deposits or withdrawals allowed. Penalty for early withdrawal. Dividends compound monthly | 3.00% | $300 |
| 18 monthsConstant dollar amount invested; no deposits or withdrawals allowed. Penalty for early withdrawal. Dividends compound monthly | 3.00% | $453 |
| 24 monthsConstant dollar amount invested; no deposits or withdrawals allowed. Penalty for early withdrawal. Dividends compound monthly | 3.25% | $661 |
| 30 monthsConstant dollar amount invested; no deposits or withdrawals allowed. Penalty for early withdrawal. Dividends compound monthly | 3.25% | $832 |
| 36 monthsConstant dollar amount invested; no deposits or withdrawals allowed. Penalty for early withdrawal. Dividends compound monthly | 3.25% | $1,007 |
| 48 monthsConstant dollar amount invested; no deposits or withdrawals allowed. Penalty for early withdrawal. Dividends compound monthly | 3.25% | $1,365 |
| 60 monthsConstant dollar amount invested; no deposits or withdrawals allowed. Penalty for early withdrawal. Dividends compound monthly | 3.25% | $1,734 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
8-Month IRA Share Certificate Special
4.10%APY · 1 term
Membership eligibility required. NCUA insured. Available for IRAs and Roth IRAs. Certificate dividends compound monthly. Early withdrawal penalty may be imposed. Minimum deposit/balance of $5,000 to open and earn APY. Rates subject to change.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 8 monthsCertificate dividends compound monthly. Early withdrawal penalty may be imposed. Minimum deposit/balance of $5,000 to open/earn APY | 4.10% | $271 |
Sources (2)
All captured Sep 18, 2026
IRA Share Certificate
Up to 3.25%APY · 9 terms
Membership eligibility required. NCUA insured. Available for IRAs and Roth IRAs. Constant dollar amount invested; no deposits or withdrawals allowed. Early withdrawal penalty applies. Certificate dividends compound monthly. APY assumes dividends remain until maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsConstant dollar amount invested; no deposits or withdrawals allowed. Penalty for early withdrawal. Dividends compound monthly | 1.00% | $25 |
| 6 monthsConstant dollar amount invested; no deposits or withdrawals allowed. Penalty for early withdrawal. Dividends compound monthly | 1.25% | $62 |
| 12 monthsConstant dollar amount invested; no deposits or withdrawals allowed. Penalty for early withdrawal. Dividends compound monthly | 3.00% | $300 |
| 18 monthsConstant dollar amount invested; no deposits or withdrawals allowed. Penalty for early withdrawal. Dividends compound monthly | 3.00% | $453 |
| 24 monthsConstant dollar amount invested; no deposits or withdrawals allowed. Penalty for early withdrawal. Dividends compound monthly | 3.25% | $661 |
| 30 monthsConstant dollar amount invested; no deposits or withdrawals allowed. Penalty for early withdrawal. Dividends compound monthly | 3.25% | $832 |
| 36 monthsConstant dollar amount invested; no deposits or withdrawals allowed. Penalty for early withdrawal. Dividends compound monthly | 3.25% | $1,007 |
| 48 monthsConstant dollar amount invested; no deposits or withdrawals allowed. Penalty for early withdrawal. Dividends compound monthly | 3.25% | $1,365 |
| 60 monthsConstant dollar amount invested; no deposits or withdrawals allowed. Penalty for early withdrawal. Dividends compound monthly | 3.25% | $1,734 |
Sources (2)
All captured Sep 18, 2026
Who can join Winnebago Community Credit Union
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