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 31–45 results in Madison, WI metro
- 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 - One Community BankTraditional Fixed Rate CDsCD · 12 months · $500 min · 2.25%–4.00% by balance
Bank · 8 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 - 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 - 4.00%APY$851 over 25 months on $10,000intro rate
Requirements
Product: To open a CD special, visit your local office. Substantial penalty for early withdrawal. Non-personal cap is $250,000. Rate subject to change.
Offer: Fixed Rate. Personal or Business. To open, visit your local office.
Promotional rate · Effective Oct 15, 2026
Rate checked
More details - 3.91%APY$226 over 7 months on $10,000
Requirements
Product: Dividends are paid quarterly. Early withdrawal penalty is 90 days interest. Avestar matches rates on certificates with comparable terms from other local financials.
3.85% interest rate
Rate checked
More details - 3.85%APY$287 over 9 months on $10,000
Requirements
Product: 9 month term CD with option to deposit or withdraw balance, without penalty, at each 90 day anniversary upon request of account holder. If entire balance is not withdrawn, the minimum balance must be maintained. Aggregate deposits during the 9 month term may not exceed $250,000. No institutional money. Health Savings Accounts (HSAs) are not available.
Offer: Compounded quarterly.
3.80% interest rate · Compounded quarterly
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 - WCCU Credit UnionShare CertificatesCD · 12 months · $500 min · 3.65%–3.75% by balance
Credit union · 1 branch
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$797 over 25 months on $10,000intro rate
Requirements
Product: Minimum opening deposit: $1,000 for standard term; $2,500 for special term. Fixed interest rate for the term of the certificate. Interest compounded and credited quarterly. Penalty for early withdrawal may apply.
Offer: For new money; $2,500 minimum opening balance required; interest compounded and credited quarterly; APY assumes interest remains on deposit until maturity; penalty for early withdrawal.
Promotional rate · Effective Aug 25, 2026
Rate checked
More details - 3.75%APY$1,168 over 36 months on $10,000
Requirements
Product: Minimum deposit $1,000. Allows member to change the dividend rate once during the term to the current Flex Certificate Rate, add to the certificate once within the first year (minimum $1,000 additional deposit), and make a one-time withdrawal of up to 50% of the current balance without penalty.
3.69% interest rate · Effective Oct 15, 2026
Rate checked
More details - UW Credit UnionRate Bump CertificateCD · 24 months · $5,000 min · 3.50%–3.60% by balance
Credit union · 17 branches
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
Requirements
Product: A Certificate of Deposit that supplements income with fixed monthly funds from your certificate of deposit. Customer must have an agreed upon monthly automatic (no checks issued) disbursement/withdrawal that cannot be changed. Single Maturity, last disbursement/withdrawal will close the account. Health Saving Accounts (HSAs) are not available.
Offer: Compounded monthly. 24, 36, 48, and 60-month terms available.
3.44% interest rate · Compounded monthly
Rate checked
More details - 3.45%APY$200 over 7 months on $10,000intro rate
Requirements
Product: Offers three penalty free withdrawals of $500 or more during the term. A minimum balance of $5,000 must be maintained. Automatically renews for a 6-month term upon maturity at the 6-month fixed rate in effect at maturity.
Offer: Three penalty-free withdrawals of $500 or more allowed after first 6 days. Minimum balance of $5,000 required.
Promotional rate · 3.40% interest rate · Effective Sep 17, 2026
Rate checked
More details - Dupaco Community Credit UnionRegular CertificatesCD · 6 months · $1,000 min
Credit union · 2 branches
3.40%APY$169 over 6 months on $10,000Requirements
Product: Minimum amount required to open any Term Share Certificate is $1,000. A penalty will be imposed for early withdrawal. Fees could reduce earnings on the account.
3.37% interest rate · Effective Jun 2, 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 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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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