Compare Bank & Credit Union Rates
Best CD rates in Wisconsin
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 121–135 results in Wisconsin
- 4.05%APY$268 over 8 months on $10,000intro rate
Requirements
Product: Must be opened with new money, defined as new to Byline. For new customers, only residents of Illinois and Wisconsin are eligible to open or be added to accounts available at open.bylinebank.com. Must be a U.S. Citizen or resident alien with a U.S. physical address. Early withdrawal penalty applies. Automatically renews at maturity.
Offer: Must be opened with new money, defined as new to Byline. Interest compounded and paid quarterly. No minimum balance required to earn APY.
Promotional rate · 3.99% interest rate · Effective Sep 29, 2026
Rate checked
More details - Citizens State Bank of LoyalCertificate Of DepositsCD · 18 months · $1,000 min · 3.05%–4.15% by balance
Bank · 5 branches
4.05%APY$614 over 18 months on $10,000Requirements
Product: APY calculated using monthly compounding. Penalty for early withdrawal.
Offer: Monthly compounding. Penalty for early withdrawal.
3.01% interest rate
Rate by balance
Rate by balance for Certificate Of Deposits Balance APY $1,000 – $10,000 3.05% $10,000 – $50,000Your amount 4.05% $50,000 – $100,000 4.15% $100,000 and up 4.15% Rate checked
More details - 4.05%APY$1,265 over 36 months on $10,000
Requirements
Product: $500 minimum opening deposit. No monthly service charge. Interest rate locked in for full term. Early withdrawal penalty may apply. Available terms start from 3 months. Showing rates for Apple Valley branch.
Effective Sep 17, 2026
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More details - 4.05%APY$2,196 over 60 months on $10,000
Effective Jan 2, 2025
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More details - Spring BankCertificates of DepositCD · 84 months · $1,000 min · 4.05%–4.35% by balance
Bank · 1 branch
4.05%APY$3,204 over 84 months on $10,000Requirements
Product: The Annual Percentage Yield (APY) on Certificates of Deposit assumes interest remains on deposit until maturity; a withdrawal of interest prior to maturity will reduce earnings. Penalties for early withdrawal of principal could reduce earnings, whether earned or not. Interest accrues using the daily balance method at the interest rate in effect for that balance tier.
Offer: Interest compounded: Quarterly; Interest credited: Quarterly
3.99% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $24,999Your amount 4.05% $25,000 – $99,999 4.15% $100,000 and up 4.35% Rate checked
More details - 4.04%APY$439 over 13 months on $10,000
Requirements
Product: Interest compounded and credited monthly. Assumes interest remains on deposit until maturity; withdrawal or paying interest out reduces earnings. Closing account before interest is credited forfeits accrued interest.
Effective May 20, 2026
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More details - 4.04%APY$682 over 20 months on $10,000
Requirements
Product: Penalty will or may be imposed for early withdrawal, which will reduce earnings. Interest rates and APY for maturing certificates will be available 10 days after maturity.
Offer: Interest added on and compounded semi-annually. 20 month Special.
3.90% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 – $10,000 3.94% $10,000 and upYour amount 4.04% Rate checked
More details - Farmers & Merchants Union BankEveryday Certificates of DepositCD · 60 months · $1,000 min
Bank · 13 branches
4.04%APY$2,190 over 60 months on $10,000Requirements
Product: Upon maturity, 10 calendar days grace period to withdraw funds or CD automatically renews. Early withdrawal penalties and other fees may apply.
Offer: Daily balance method to obtain APY.
4.00% interest rate · Effective Sep 29, 2026
Rate checked
More details - 4.03%APY$233 over 7 months on $10,000intro rate
Requirements
Product: Requires new money, which can consist of money from matured Ergo Bank CDs, savings, money market, and checking accounts. Non-renewable at maturity. Early withdrawal penalties apply.
Offer: 7 Months Special. Requires new money. Non-renewable at maturity. Early withdrawal penalties apply.
Promotional rate · 4.00% interest rate · Effective Oct 5, 2026
Rate checked
More details - 4.01%APY$401 over 1 year on $10,000
Requirements
Product: Dividends calculated daily, credited and compounded monthly (or at maturity for 3 Month). Early withdrawal penalties apply. Rates vary by Membership Value Pricing (MVP) level. Minimum deposit $1,000 ($500 for age 16 and younger) unless otherwise stated.
Offer: Gold MVP Level: active checking with 5+ posted transactions/month and minimum $30,000 average monthly household balance or first mortgage with balance. Compounded monthly.
3.94% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - Shoreline Hometown Credit UnionShare CertificateCD · 24 months · $1,000 min
Credit union · 3 branches
4.01%APY$818 over 24 months on $10,000Requirements
Product: Membership eligibility required. Dividends compounded and credited quarterly. Penalty for early withdrawal is half of the interest earned over the term of the certificate. $1,000 minimum deposit ($500 for custodial accounts). Automatic renewal at maturity.
Offer: $500 minimum opening balance for custodial accounts.
3.95% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.00%APY$165 over 5 months on $10,000
Requirements
Product: Rates subject to change without notice. Account fees may reduce earnings. Penalty for early withdrawals.
Offer: 5-MO Special. Fixed rate. Penalty for early withdrawals.
3.93% interest rate · Effective Oct 5, 2026
Rate checked
More details - 4.00%APY$165 over 5 months on $10,000intro rate
Requirements
Product: Minimum opening deposit $5,000, maximum $250,000. Must be funded via ACH transfer from an external bank account. Funds must be new money, not on deposit with First Citizens within the past 90 days. Must be opened by an individual residing in a state where a First Citizens branch exists. Not available as an IRA.
Offer: Earn up to 4.00% APY on a 5-month CD.
Promotional rate
Rate checked
More details - 4.00%APY$198 over 6 months on $10,000
Requirements
Product: No setup or maintenance fees. APY is based on daily compounding and assumes interest remains on deposit. Interest credited quarterly unless noted. Penalty for early withdrawal. Option CD offers a one-time rate change and a one-time opportunity to add additional funds during the term.
3.92% interest rate · Effective Oct 14, 2026
Rate checked
More details - 4.00%APY$198 over 6 months on $10,000
Requirements
Product: Penalty for early withdrawal and/or restrictions may apply. Rates are subject to change without notice. Fees could reduce earnings.
Offer: Penalty for early withdrawal and/or restrictions may apply. Fees could reduce earnings.
3.92% interest rate · Effective Oct 14, 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 Wisconsin
1,997 CDs at 210 banks and credit unions · checked Oct 16–22
- Typical
- 3.00%
- Top 10% from
- 4.15%
- Banks, typical
- 2.77%
- Credit unions, typical
- 3.05%
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Find your bank or credit union to see all its rates and how they compare near you.
Wisconsin
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Fort Community Credit UnionCredit union · 5 branches
- Community First Credit UnionCredit union · 29 branches
- Oakdale CUCredit union · 3 branches