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 76–80 results in Madison, WI metro
- 0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
Requirements
Offer: Step period 1 (months 1-7)
Promotional rate · 0.05% interest rate · Effective Oct 6, 2026
Rate schedule
Rate schedule for Step Up CD Period APY Step period 1 (months 1-7) 0.05% Step period 2 (months 8-14) 0.25% Step period 3 (months 15-21) 0.45% Step period 4 (months 22-28) 0.65% Rate checked
More details - 0.30%APY$121 over 48 months on $10,000
Requirements
Product: Interest paid at maturity for terms under 2 years, paid annually for terms 2, 3 & 4 years. Prime Time Plus customers earn an additional 0.10% (not applicable with any other special rate promotion). Penalty for early withdrawal applies.
Offer: Interest paid annually. Prime Time Plus customers earn an additional 0.10% (not applicable with any other special rate promotion). Penalty for early withdrawal applies.
0.30% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.30%APY$181 over 72 months on $10,000
Requirements
Product: Time Deposits under $100,000. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. If the account term is greater than 12 months, interest cannot remain on deposit and payout of interest is mandatory.
Offer: Interest cannot remain on deposit; payout of interest is mandatory.
0.30% interest rate · Balance cap $99,999.99 · Effective Oct 5, 2026
Rate checked
More details - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 6, 2026
Rate checked
More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% 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