Compare Bank & Credit Union Rates
Best CD rates in Oshkosh, WI
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 16–30 results in Oshkosh, WI
- 3.80%APY$2,050 over 60 months on $10,000
Requirements
Product: Dividends are compounded monthly. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates subject to change without notice.
Offer: Minimum Balance to Earn APY: $500.
3.74% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - 3.58%APY$542 over 18 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal. Fees may reduce earnings. Certificates of Deposit available for personal and business.
Offer: 1 1/2 Year CD (18 Month) term. Penalty for early withdrawal.
3.55% interest rate · Effective Sep 1, 2026
Rate checked
More details - UW Credit UnionRate Bump CertificateCD · 24 months · $5,000 min · 3.50%–3.60% by balance
Credit union · 1 branch
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 - 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 · 1 branch
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 · 1 branch
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 - Winnebago Community Credit UnionShare CertificatesCD · 24 months · $1,000 min
Credit union · 2 branches
3.25%APY$661 over 24 months on $10,000Requirements
Product: 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.
Offer: Constant dollar amount invested; no deposits or withdrawals allowed. Penalty for early withdrawal. Dividends compound monthly.
3.20% interest rate · Effective Apr 25, 2025
Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
Rate checked
More details - 3.15%APY$1,677 over 60 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal. Payment of interest: added to principal or transferred to checking/savings.
3.10% interest rate · Effective Aug 3, 2026
Rate checked
More details - 3.00%APY$1,564 over 59 months on $10,000
Requirements
Product: Rates for ZIP code 60606. Early withdrawal penalties may apply. Account must be opened online, by phone, or at a financial center. For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding. CDs opened online cannot be for an IRA.
Effective Sep 17, 2026
Rate checked
More details - 2.90%APY$741 over 30 months on $10,000with conditions
Requirements
Product: Offers an option to increase the rate one time during the term based on current rates; additional funds may be added up to initial deposit amount in $1,000 increments at time of increase. Interest compounded and credited quarterly using daily balance method. Penalty for early withdrawal: 12 months interest if maturity is more than 24 months.
Offer: Relationship rate requires Direct Deposit Checking.
Qualified rate · 2.87% interest rate · Effective Sep 23, 2026
Rate checked
More details - 2.50%APY$250 over 1 year on $10,000
Requirements
Product: Add-on deposits allowed. Dividends calculated using daily balance method and compounded quarterly. Automatically renews for 12-month terms with a 10-day grace period. Early withdrawal penalty may apply. Institutional and government deposits excluded.
Offer: Compounds quarterly. Add-on deposits allowed.
2.48% interest rate · Compounded quarterly · Effective Sep 24, 2026
Rate checked
More details - 2.28%APY$113 over 6 months on $10,000
Requirements
Product: $1,000.00 initial deposit requirement. No minimum balance to earn Annual Percentage Yield (APY). Fixed interest rate for entire term. Automatically renews into a CD with the same term. Penalty will or may be imposed for early withdrawal.
Offer: No compounding during term. Interest credited at maturity.
2.27% interest rate
Rate checked
More details - Oshkosh Community Credit UnionShare Certificates AccountCD · 60 months · $2,500 min
Credit union · 1 branch
2.28%APY$1,193 over 60 months on $10,000Requirements
Product: Dividends will be compounded and credited quarterly. Dividends must remain in the account until maturity. Early withdrawal penalty may apply.
2.25% interest rate · Effective Jan 17, 2025
Rate checked
More details - 1.75%APY$443 over 30 months on $10,000
Requirements
Product: Add deposits anytime. Minimum balance to open is $250 if adding deposits of at least $25 per month via automatic transfer or Web Branch, otherwise $500. $100,000 maximum balance. Dividends compounded daily and paid quarterly.
1.73% interest rate · Compounded daily · Balance cap $100,000 · Effective Oct 9, 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 Oshkosh, WI
260 CDs at 19 banks and credit unions · checked Oct 16–17
- Typical
- 2.66%
- Top 10% from
- 4.10%
- Banks, typical
- 2.00%
- 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.
Oshkosh, WI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Community First Credit UnionCredit union · 10 branches
- Evergreen Credit UnionCredit union · 1 branch
- Capital Credit UnionCredit union · 2 branches