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 Madison, WI metro
- Madison Fire Department Credit UnionShare CertificateCD · 16 months · $5,000 min
Credit union · 1 branch
4.55%APY$611 over 16 months on $10,000Requirements
Offer: 16 Month Special. Requires $5,000 minimum balance.
4.46% interest rate · Effective Sep 14, 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 - 4.50%APY$920 over 24 months on $10,000intro rate
Requirements
Product: Interest is compounded quarterly.
Offer: Special CD rate. APY achieved only if interest is compounded quarterly.
Promotional rate · 4.43% interest rate · Compounded quarterly
Rate checked
More details - 4.50%APY$960 over 25 months on $10,000intro rate
Requirements
Product: Early withdrawal of funds is subject to penalty. Rate is based on term length.
Offer: 10% of the total CD amount must be funds from another financial institution; funds from any F&M deposit account do not qualify for the increased rate. Compounded annually. No IRA or HSA.
Promotional rate · 4.50% interest rate · Compounded annually
Rate checked
More details - 4.50%APY$2,462 over 60 months on $10,000
Requirements
Product: Membership required. Penalty may be imposed for early withdrawal and subject to account closure. APY assumes principal and interest remain on deposit for full term.
4.43% interest rate · Effective Oct 1, 2026
Rate checked
More details - Bank of DeerfieldCertificate of DepositCD · 36 months · $500 min · 4.27%–4.45% by balance
Bank · 2 branches
4.45%APY$1,395 over 36 months on $10,000Requirements
Product: Substantial penalty for early withdrawal. Rates as of September 18, 2026.
4.22% interest rate · Effective Sep 18, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 and up 4.27% $2,500 and upYour amount 4.45% Rate checked
More details - Blackhawk Community Credit UnionShare CertificateCD · 60 months · $1,000 min · 3.95%–4.45% by balance
Credit union · 1 branch
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$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
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 - 4.33%APY$1,848 over 48 months on $10,000
Requirements
Product: Early withdrawal penalty applies. Minimum balance $200 required for standard terms. Tiered balance threshold is $20,000.
Offer: Variable rate.
4.26% interest rate · Effective Sep 16, 2026
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
Rate checked
More details - 4.25%APY$461 over 13 months on $10,000intro rate
Requirements
Product: Membership required. Available for a limited time. Penalty for early withdrawal. Fees could reduce earnings. APY assumes principal and interest remain on deposit for full term.
Offer: Limited time offer. Minimum balance to earn dividends is $1,000.
Promotional rate · 4.18% interest rate · Effective Oct 1, 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 - 4.25%APY$534 over 15 months on $10,000intro rate
Requirements
Product: Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. For new customers, requires at least $500 new money. For existing customers, requires at least $500 of which $0.75 of every $1.00 is new money.
Offer: Balances under $100k. Requires $500 minimum new money deposit for new customers, or $0.75 per $1.00 new money for existing customers.
Promotional rate · 4.24% interest rate · Balance cap $99,999.99 · Effective Oct 5, 2026
Rate checked
More details - 4.25%APY$534 over 15 months on $10,000intro rate
Promotional rate
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 Madison, WI metro
491 CDs at 39 banks and credit unions · checked Oct 16–22
- Typical
- 2.52%
- Top 10% from
- 4.15%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.50%
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Madison, WI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- UW Credit UnionCredit union · 17 branches
- Marine Credit UnionCredit union · 2 branches
- Blackhawk Community Credit UnionCredit union · 1 branch