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 16–30 results in La Crosse, WI-MN metro
- 4.15%APY$521 over 15 months on $10,000
Requirements
Product: Rates subject to change without notice. Annual Percentage Yields are based on dividends remaining on the certificate. Penalty may be applied for early withdrawal. Membership open to eligible persons living/working in specified WI/MN counties or eligible employee/family groups.
4.07% interest rate · Effective Jul 17, 2026
Rate checked
More details - 4.15%APY$811 over 23 months on $10,000intro rate
Requirements
Product: New money only. Limited time offer. CDs over $250,000 will be reviewed on an individual basis. Early withdrawal penalty may apply.
Offer: New money only. Limited time offer. Interest is paid out quarterly. CDs over $250,000 reviewed on an individual basis.
Promotional rate · 4.09% interest rate · Effective Sep 8, 2026
Rate checked
More details - 4.10%APY$693 over 20 months on $10,000with conditions
Requirements
Product: A penalty may be imposed for early withdrawal. Additional deposits are not allowed after opening. Interest is calculated using the daily balance method. Requires an Alerus checking account with a $500 minimum balance to qualify. IRA funds do not qualify.
Offer: Requires an Alerus checking account with a $500 minimum balance. IRA funds do not qualify. Early withdrawal penalty may apply.
Qualified rate · Effective Sep 25, 2026
Rate checked
More details - 4.10%APY$1,057 over 30 months on $10,000intro rate
Promotional rate · 4.04% interest rate · Effective Oct 1, 2026
Rate checked
More details - ESB Banking & InsuranceCertificates of DepositCD · 6 months · $1,000 min · 3.99%–4.09% by balance
Bank · 3 branches
4.09%APY$202 over 6 months on $10,000Requirements
Product: Requires a $1,000 minimum opening deposit. Higher rates/APYs on balances of $10,000 or more. Options include Compounding Plan, Auto Deposit Plan, and Check Plan. Terms of 2 years or greater can be converted to cash or another investment at half-term without penalty (10-day grace period; optional conversion date notification is $10.00). Substantial penalty for early withdrawal. Automatically renewable unless stated otherwise.
Offer: Compounding & Auto Deposit Plans; balance less than $10,000.
3.95% interest rate · Effective Aug 5, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 and up 3.99% $10,000 and upYour amount 4.09% 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
Rate checked
More details - 1st Community Credit Union10-Month Anniversary CD SpecialCD · 10 months · $1,000 min
Credit union · 1 branch
4.00%APY$332 over 10 months on $10,000intro rateRequirements
Product: Limited time offer; will end without warning. $1,000 minimum opening deposit ($500 for minors). Auto-renews to a 12-month term at maturity. 90-Day penalty for early withdrawal. Membership eligibility required.
Offer: $1,000 minimum opening deposit ($500 for minors). Auto-renews to 12-month term at maturity. 90-day penalty for early withdrawal.
Promotional rate · 3.92% interest rate · Effective Oct 5, 2026
Rate checked
More details - One Community BankTraditional Fixed Rate CDsCD · 12 months · $500 min · 2.25%–4.00% by balance
Bank · 3 branches
4.00%APY$400 over 1 year on $10,000intro rateRequirements
Product: Early withdrawal penalty may be imposed. Additional deposits allowed on terms of 1 year or less with a minimum of $50 and an accumulated maximum of $250,000.
Offer: 1 year term.
Promotional rate · 2.24% interest rate · Effective Sep 21, 2026
Rate by balance
Rate by balance for Traditional Fixed Rate CDs Balance APY $500 and up 2.25% $10,000 and upYour amount1 Year (Promo). Additional CD deposits allowable with a minimum of $50.00 up to a maximum of $250,000. 4.00% Rate checked
More details - WCCU Credit UnionShare CertificatesCD · 12 months · $500 min · 3.65%–3.75% by balance
Credit union · 3 branches
3.75%APY$375 over 1 year on $10,000Requirements
Product: Dividends for 3-month and 6-month certificates are paid at maturity. Dividends for 1-year through 5-year certificates are paid quarterly.
Offer: Dividends paid quarterly
3.60% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and up 3.65% $10,000 and upYour amount 3.75% Rate checked
More details - 3.75%APY$439 over 14 months on $10,000
Requirements
Offer: Automatically renews for 14 month term at rate currently offered on 12 month term. Interest paid annually and at maturity. Early withdrawal penalty is equal to 6 months interest and may reduce earnings.
3.75% interest rate · Effective Sep 22, 2026
Rate checked
More details - 3.72%APY$372 over 1 year on $10,000
Requirements
Product: Minimum opening deposit for Regular Share Certificate is $1,000 ($500 for minors). Balances below $1,000 ($500 for minor) may be subject to penalty and will reduce the stated APY. Early withdrawal penalty may apply. Membership eligibility required.
Offer: Minimum opening deposit $1,000 ($500 for minors).
3.65% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.62%APY$240 over 8 months on $10,000with conditions
Requirements
Product: A penalty may be imposed for early withdrawal. Additional deposits are not allowed after opening. Interest is calculated using the daily balance method. Requires an Alerus checking account with a $500 minimum balance to qualify. IRA funds do not qualify.
Offer: Requires an Alerus checking account with a $500 minimum balance. IRA funds do not qualify. Early withdrawal penalty may apply.
Qualified rate · Effective Sep 25, 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 - 3.50%APY$1,877 over 60 months on $10,000
Requirements
Product: Dividends paid quarterly. Early withdrawal penalty is 90 days of dividends for terms 12 months or less, and 180 days of dividends for terms over 12 months.
3.46% interest rate · Effective Oct 1, 2026
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
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 La Crosse, WI-MN metro
223 CDs at 24 banks and credit unions · checked Oct 6–22
- Typical
- 3.30%
- Top 10% from
- 4.10%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.43%
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La Crosse, WI-MN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Altra Federal Credit UnionCredit union · 6 branches
- Governmental Employees Credit UnionCredit union · 1 branch
- Gundersen Credit UnionCredit union · 1 branch