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 16–30 results in Madison, WI
- 4.00%APY$400 over 1 year on $10,000intro rate
Requirements
Product: New money only (money not currently held at any Wintrust Financial Corporation location). Not available at all locations.
Offer: New money only. Minimum daily balance of $0.01 required to obtain APY. Assumes funds remain on deposit until maturity. Early withdrawal penalties apply.
Promotional rate · Effective Dec 12, 2025
Rate checked
More details - 4.00%APY$434 over 13 months on $10,000intro rate
Requirements
Product: New money only (money not currently held at any Wintrust Financial Corporation location).
Offer: New money only. Minimum daily balance of $0.01 required to obtain APY. Assumes funds remain on deposit until maturity. Early withdrawal penalties apply.
Promotional rate · Effective Jun 10, 2026
Rate checked
More details - 3.91%APY$226 over 7 months on $10,000
Requirements
Product: Dividends are paid quarterly. Early withdrawal penalty is 90 days interest. Avestar matches rates on certificates with comparable terms from other local financials.
3.85% interest rate
Rate checked
More details - 3.85%APY$418 over 13 months on $10,000intro rate
Requirements
Offer: Interest Payment Frequency: Annual; Compounding Method: Simple; Minimum balance is required to obtain the stated APYs. A penalty may be imposed for early withdrawal.
Promotional rate · 3.84% interest rate · Effective Oct 15, 2026
Rate checked
More details - 3.75%APY$797 over 25 months on $10,000intro rate
Requirements
Product: Minimum opening deposit: $1,000 for standard term; $2,500 for special term. Fixed interest rate for the term of the certificate. Interest compounded and credited quarterly. Penalty for early withdrawal may apply.
Offer: For new money; $2,500 minimum opening balance required; interest compounded and credited quarterly; APY assumes interest remains on deposit until maturity; penalty for early withdrawal.
Promotional rate · Effective Aug 25, 2026
Rate checked
More details - 3.75%APY$1,168 over 36 months on $10,000
Requirements
Product: Minimum deposit $1,000. Allows member to change the dividend rate once during the term to the current Flex Certificate Rate, add to the certificate once within the first year (minimum $1,000 additional deposit), and make a one-time withdrawal of up to 50% of the current balance without penalty.
3.69% interest rate · Effective Oct 15, 2026
Rate checked
More details - UW Credit UnionRate Bump CertificateCD · 24 months · $5,000 min · 3.50%–3.60% by balance
Credit union · 9 branches
3.50%APY$712 over 24 months on $10,000Requirements
Product: The rate on the account may be increased one time during the term, at any time, to the most current rate offered for the same Rate Bump Certificate term based on account balance.
3.44% interest rate · Effective Oct 9, 2026
Rate by balance
Rate by balance for Rate Bump Certificate Balance APY $5,000 and upYour amount 3.50% $250,000 and up 3.60% Rate checked
More details - Dupaco Community Credit UnionRegular CertificatesCD · 6 months · $1,000 min
Credit union · 2 branches
3.40%APY$169 over 6 months on $10,000Requirements
Product: Minimum amount required to open any Term Share Certificate is $1,000. A penalty will be imposed for early withdrawal. Fees could reduce earnings on the account.
3.37% interest rate · Effective Jun 2, 2026
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - UW Credit UnionNo Penalty CertificateCD · 9 months · $5,000 min · 3.25%–3.35% by balance
Credit union · 9 branches
3.30%APY$246 over 9 months on $10,000Requirements
Product: No penalty for early withdrawal during the certificate term. Full or partial withdrawals may be made after the first 5 business days of the certificate term.
3.20% interest rate · Effective Oct 9, 2026
Rate by balance
Rate by balance for No Penalty Certificate Balance APY $5,000 and up 3.25% $10,000 and upYour amount 3.30% $250,000 and up 3.35% Rate checked
More details - UW Credit UnionRegular CertificateCD · 9 months · $500 min · 3.25%–3.35% by balance
Credit union · 9 branches
3.30%APY$246 over 9 months on $10,000Requirements
Product: Dividends compounded daily and paid quarterly. Substantial penalties apply for premature withdrawal.
3.20% interest rate · Compounded daily · Effective Oct 2, 2026
Rate by balance
Rate by balance for Regular Certificate Balance APY $500 and up 3.25% $10,000 and upYour amount 3.30% $250,000 and up 3.35% Rate checked
More details - 3.25%APY$1,007 over 36 months on $10,000
Requirements
Product: Fixed dividend rate. Early withdrawal penalties may apply. Special rates available for CDs of $100,000 or more.
Offer: Paid quarterly
3.21% interest rate
Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
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More details - Madison Credit UnionCertificatesCD · 12 months · $500 min · 0.75%–3.03% by balance
Credit union · 1 branch
3.03%APY$303 over 1 year on $10,000Requirements
Product: Certificates are subject to early withdrawal penalties and renew automatically.
Offer: Term is 1 Year ($500 investment option). Dividends compounded and credited quarterly. Early withdrawal penalty equals 90 days dividends on entire balance.
0.75% interest rate
Rate by balance
Rate by balance for Certificates Balance APY $500 and up 0.75% $1,000 and upYour amountTerm is 1 Year ($1,000 minimum). 3.03% Rate checked
More details - 3.03%APY$937 over 36 months on $10,000
3.00% interest rate
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