Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Janesville, WI metro
- 4.61%APY$422 over 11 months on $10,000with conditions
Requirements
Product: Dividends compounded and paid monthly. Early withdrawal penalties may apply. Requires membership in Advia Credit Union.
Offer: 11-Month Promo CD with Advantage Plus Rewards qualifications met at opening. Reverts to non-promotional 12-month term upon maturity.
Qualified rate · Effective Aug 1, 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 - Blackhawk Community Credit UnionShare CertificateCD · 60 months · $1,000 min · 3.95%–4.45% by balance
Credit union · 7 branches
4.45%APY$2,432 over 60 months on $10,0003.89% interest rate
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 and up 3.95% $10,000 and upYour amountJumbo Certificate 4.45% 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 - 4.25%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 - 4.22%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 - 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
Rate checked
More details - 4.18%APY$1,269 over 35 months on $10,000with conditions
Requirements
Product: Limited time offer. $5,000 minimum balance to open account. An active Bank First checking account with direct deposit is required to obtain this special. Penalty may be imposed for early withdrawal.
Offer: Interest is paid at 11 months and then semi-annually for the remaining term, renews into a 36 month CD. Requires $5,000 minimum to open and an active Bank First checking account with direct deposit.
Qualified rate · 4.14% interest rate
Rate checked
More details - Farmers & Merchants Union BankEveryday Certificates of DepositCD · 60 months · $1,000 min
Bank · 1 branch
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 - 4.00%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 - First Community Credit UnionProsper Max Share CertificateCD · 6 months · $1,000 min
Credit union · 3 branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: Minimum balance to open and obtain APY is $1,000 ($2,000 for IRAs).
3.93% interest rate
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000intro rate
Requirements
Product: Available exclusively at the Milton office (735 Sunnyside Drive, Milton, WI 53563). Must open account in person.
Offer: Exclusive to Milton office; must open in person. Penalty may be imposed for early withdrawal. At maturity, the CD renews at the standard rate in effect at that time.
Promotional rate · Effective May 13, 2026
Rate checked
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
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 - 3.85%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
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 Janesville, WI metro
256 CDs at 18 banks and credit unions · checked Oct 6–16
- Typical
- 2.00%
- Top 10% from
- 4.00%
- Banks, typical
- 1.00%
- Credit unions, typical
- 2.77%
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Janesville, WI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Blackhawk Community Credit UnionCredit union · 7 branches
- Educators CUCredit union · 2 branches