Compare Bank & Credit Union Rates
Best CD rates in Madison, WI
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Madison, WI
- Madison Fire Department Credit UnionShare CertificateCD · 16 months · $5,000 min
Credit union · 1 branch
4.55%APY$611 over 16 months on $10,000Requirements
Offer: 16 Month Special. Requires $5,000 minimum balance.
4.46% interest rate · Effective Sep 14, 2026
Rate checked
More details - 4.50%APY$604 over 16 months on $10,000
Requirements
Product: Minimum balance to open is $500. Early withdrawal penalties apply.
Offer: Minimum balance to earn APY $5,000.
4.41% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.40%APY$440 over 1 year on $10,000
Requirements
Product: Personal accounts only. Minimum balance to open is $500. Early certificate withdrawal penalties apply (90 days of dividends for terms under 1 year; 180 days of dividends for all other terms). Financial institutions and public funds are ineligible.
Offer: Personal accounts only. Penalty for early withdrawal.
4.31% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.40%APY$478 over 13 months on $10,000
Requirements
Product: Interest compounded and credited quarterly, except 30-day Mini Jumbo and 3-month Fixed which are compounded and credited at maturity.
Offer: Special promotional rate; open by November 12, 2026. Current as of October 9, 2026 per promotion footnote; schedule effective October 15, 2026.
4.33% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.33%APY$1,848 over 48 months on $10,000
Requirements
Product: Early withdrawal penalty applies. Minimum balance $200 required for standard terms. Tiered balance threshold is $20,000.
Offer: Variable rate.
4.26% interest rate · Effective Sep 16, 2026
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
Rate checked
More details - 4.25%APY$498 over 14 months on $10,000intro rate
Requirements
Product: Certificates rates are fixed for the term when the account is opened. Early withdrawal penalties may apply. Fees may reduce earnings.
Offer: Special rate certificate; auto renews for a subsequent 12 month term at current rates.
Promotional rate · 4.18% interest rate · Effective Oct 4, 2026
Rate checked
More details - 4.25%APY$534 over 15 months on $10,000intro rate
Requirements
Product: Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. For new customers, requires at least $500 new money. For existing customers, requires at least $500 of which $0.75 of every $1.00 is new money.
Offer: Balances under $100k. Requires $500 minimum new money deposit for new customers, or $0.75 per $1.00 new money for existing customers.
Promotional rate · 4.24% interest rate · Balance cap $99,999.99 · Effective Oct 5, 2026
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More details - 4.25%APY$534 over 15 months on $10,000intro rate
Promotional rate
Rate checked
More details - 4.25%APY$1,369 over 37 months on $10,000
Requirements
Product: Penalty for early withdrawal may be imposed for CDs. Fees or withdrawals may reduce earnings.
Offer: Compounding frequency: Quarterly. Minimum of $5,000 new money to Park Bank may be required. No minimum balance required to obtain advertised APY.
4.18% interest rate · Effective Sep 28, 2026
Rate checked
More details - 4.25%APY$3,382 over 84 months on $10,000
Requirements
Product: Membership required. $500 minimum deposit. Early withdrawal penalty may apply. Automatically renews at current non-promotional rate upon maturity.
4.17% interest rate · Effective Oct 15, 2026
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More details - 4.22%APY$1,165 over 32 months on $10,000intro rate
Requirements
Product: Personal CD special rate. Interest compounded and paid quarterly. Penalty for early withdrawal. $0 monthly maintenance fee. Automatically renewable CDs have a 10-day grace period. Non-renewable CDs do not pay interest after maturity.
Promotional rate · 4.15% interest rate · Effective Sep 29, 2026
Rate checked
More details - UW Credit UnionCertificates SpecialsCD · 14 months · $5,000 min · 4.15%–4.25% by balance
Credit union · 9 branches
4.20%APY$492 over 14 months on $10,000Requirements
Product: Dividends compounded daily and paid quarterly. Early withdrawal penalties apply.
4.07% interest rate · Compounded daily · Effective Oct 9, 2026
Rate by balance
Rate by balance for Certificates Specials Balance APY $5,000 and up 4.15% $10,000 and upYour amount 4.20% $250,000 and up 4.25% Rate checked
More details - Dupaco Community Credit UnionSpecial CertificatesCD · 17 months · $1,000 min · 4.20%–4.30% by balance
Credit union · 2 branches
4.20%APY$600 over 17 months on $10,000intro rateRequirements
Product: Dividends compounded and credited semi-annually. Penalty will be imposed for early withdrawal. Fees could reduce earnings.
Offer: Fixed Certificate Special. Minimum amount required to open is $1,000.
Promotional rate · 4.15% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Special Certificates Balance APY $1,000 and upYour amount 4.20% $100,000 and upFixed Jumbo Certificate Special. Minimum amount required to open is $100,000. 4.30% Rate checked
More details - 4.10%APY$586 over 17 months on $10,000intro rate
Requirements
Product: Limited-time promotional special rate. Membership required. $500 minimum deposit for Standard Certificates of Deposit. Automatically renews at the current non-promotional rate upon maturity.
Offer: Limited time offer. Accurate as of 9/1/2026.
Promotional rate · 4.03% interest rate · Effective Sep 1, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Madison, WI
312 CDs at 23 banks and credit unions · checked Oct 16–22
- Typical
- 2.21%
- Top 10% from
- 4.05%
- Banks, typical
- 0.75%
- Credit unions, typical
- 3.30%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Madison, WI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- UW Credit UnionCredit union · 17 branches
- Marine Credit UnionCredit union · 2 branches
- Blackhawk Community Credit UnionCredit union · 1 branch