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 Madison, WI metro
- 4.25%APY$1,369 over 37 months on $10,000
Requirements
Product: Penalty for early withdrawal may be imposed for CDs. Fees or withdrawals may reduce earnings.
Offer: Compounding frequency: Quarterly. Minimum of $5,000 new money to Park Bank may be required. No minimum balance required to obtain advertised APY.
4.18% interest rate · Effective Sep 28, 2026
Rate checked
More details - 4.25%APY$3,382 over 84 months on $10,000
Requirements
Product: Membership required. $500 minimum deposit. Early withdrawal penalty may apply. Automatically renews at current non-promotional rate upon maturity.
4.17% interest rate · Effective Oct 15, 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 - UW Credit UnionCertificates SpecialsCD · 14 months · $5,000 min · 4.15%–4.25% by balance
Credit union · 17 branches
4.20%APY$492 over 14 months on $10,000Requirements
Product: Dividends compounded daily and paid quarterly. Early withdrawal penalties apply.
4.07% interest rate · Compounded daily · Effective Oct 9, 2026
Rate by balance
Rate by balance for Certificates Specials Balance APY $5,000 and up 4.15% $10,000 and upYour amount 4.20% $250,000 and up 4.25% Rate checked
More details - Dupaco Community Credit UnionSpecial CertificatesCD · 17 months · $1,000 min · 4.20%–4.30% by balance
Credit union · 2 branches
4.20%APY$600 over 17 months on $10,000intro rateRequirements
Product: Dividends compounded and credited semi-annually. Penalty will be imposed for early withdrawal. Fees could reduce earnings.
Offer: Fixed Certificate Special. Minimum amount required to open is $1,000.
Promotional rate · 4.15% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Special Certificates Balance APY $1,000 and upYour amount 4.20% $100,000 and upFixed Jumbo Certificate Special. Minimum amount required to open is $100,000. 4.30% Rate checked
More details - 4.20%APY$673 over 19 months on $10,000with conditions
Requirements
Product: APY is based on daily compounding and assumes interest remains on deposit. Interest credited quarterly unless otherwise noted. Penalty for early withdrawal. Fees may reduce earnings.
Offer: Checking account required.
Qualified rate · 4.11% interest rate · Effective Oct 14, 2026
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More details - 4.20%APY$783 over 22 months on $10,000intro rate
Promotional rate · 4.14% interest rate · Effective Oct 1, 2026
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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 - 4.10%APY$586 over 17 months on $10,000intro rate
Requirements
Product: Limited-time promotional special rate. Membership required. $500 minimum deposit for Standard Certificates of Deposit. Automatically renews at the current non-promotional rate upon maturity.
Offer: Limited time offer. Accurate as of 9/1/2026.
Promotional rate · 4.03% interest rate · Effective Sep 1, 2026
Rate checked
More details - 4.10%APY$728 over 21 months on $10,000
Requirements
Product: A penalty may exist for early withdrawal on all Certificates of Deposit accounts and IRAs. Rates subject to change at any time.
Offer: The annual percentage yield (APY) assumes that the interest remains on deposit until maturity. A withdrawal will reduce earnings.
Effective Oct 1, 2026
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More details - 4.10%APY$1,057 over 30 months on $10,000intro rate
Promotional rate · 4.04% interest rate · Effective Oct 1, 2026
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More details - Farmers & Merchants Union BankEveryday Certificates of DepositCD · 60 months · $1,000 min
Bank · 6 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 - 4.00%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
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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 · 1 branch
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
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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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