Compare Bank & Credit Union Rates
Best CD rates in Racine, WI
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Racine, WI
- 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
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More details - 4.40%APY$478 over 13 months on $10,000intro rate
Requirements
Product: Fixed rate of return. Minimum deposit required to open is $1,000. Online opening available for existing North Shore Bank customers.
Offer: Promotional CD rate. Interest compounds quarterly.
Promotional rate · 4.33% interest rate · Effective Oct 15, 2026
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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
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More details - 4.20%APY$243 over 7 months on $10,000intro rate
Requirements
Product: Rates are for new share certificates only. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account.
Offer: 7 Month Special. New share certificates only. Penalty will or may be imposed for early withdrawal.
Promotional rate · 4.14% interest rate · Effective Oct 1, 2026
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More details - Racine Municipal Employees Credit UnionCertificate AccountsCD · 7 months · $1,000 min
Credit union · 1 branch
4.10%APY$237 over 7 months on $10,000Requirements
Product: Minimum balance to open: $1,000. $5 membership deposit required. Closed before maturity: 90-day dividend penalty applies.
Offer: 7 Month Special
4.03% interest rate
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More details - 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
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More details - 4.00%APY$434 over 13 months on $10,000with conditions
Requirements
Product: Requires a Tri City National Bank checking account to open. Maximum balance of $500,000 per primary customer tax identification number (SSN or EIN). Not available for Individual Retirement Accounts (IRA). Early withdrawal penalty applies. Fees may reduce earnings.
Offer: Requires a Tri City National Bank checking account to open. Maximum deposit $500,000 per primary customer SSN/EIN. Not available for IRAs. Early withdrawal penalty applies. Fees may reduce earnings.
Qualified rate · 3.92% interest rate · Balance cap $500,000 · Effective Oct 7, 2026
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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
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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
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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 - 3.15%APY$640 over 24 months on $10,000
Requirements
Product: Fixed rates. No setup or maintenance fees. Early withdrawal penalty applies. Automatically renews unless action taken during 10-day grace period. Interest credited quarterly or at maturity.
Offer: Early withdrawal penalty of 6 months' interest.
3.10% interest rate · Effective Oct 7, 2026
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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
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More details - 3.00%APY$1,593 over 60 months on $10,000
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.
3.00% interest rate · Effective Oct 15, 2026
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More details - 1.00%APY$100 over 1 year on $10,000
Requirements
Product: Unlimited additional deposits allowed anytime.
Offer: 12 month term with add-on feature. Unlimited additional deposits allowed.
1.00% interest rate · Effective Oct 15, 2026
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More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
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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 Racine, WI
105 CDs at 10 banks and credit unions · checked Oct 6–16
- Typical
- 2.35%
- Top 10% from
- 4.20%
- Banks, typical
- 2.01%
- Credit unions, typical
- 2.48%
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Racine, WI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Racine Municipal Employees Credit UnionCredit union · 1 branch
- Marine Credit UnionCredit union · 1 branch
- North Shore BankBank · 4 branches