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 Manitowoc, WI metro
- 5.05%APY$207 over 5 months on $10,000
Requirements
Product: Penalty for early withdrawal on Certificates.
Offer: CD Special: Pick Your Term - Choose from 5, 10, or 15 Months Term. Penalty for early withdrawal on Certificates.
4.94% interest rate · Effective Oct 15, 2026
Rate checked
More details - 5.00%APY$373 over 9 months on $10,000intro rate
Requirements
Product: Federally insured by NCUA. Membership required. Dividends compound and credit monthly. Early withdrawal penalties apply and will reduce earnings on account.
Offer: Limited-time special. Must be funded with new money not on deposit with Kohler Credit Union. Minimum $1,000 and maximum $500,000 required to receive rate. Financial institutions and public funds are ineligible. Automatically renews to 12-month certificate at rate effective at time of renewal.
Promotional rate · 4.89% interest rate · Balance cap $500,000 · Effective Oct 9, 2026
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More details - 4.75%APY$2,612 over 60 months on $10,000
Requirements
Product: Interest is compounded and credited quarterly using the daily balance method. Penalty for early withdrawal: 6 months interest if maturity is 24 months or less; 12 months interest if maturity is more than 24 months.
Offer: Relationship rate requires Direct Deposit Checking.
4.67% interest rate · Effective Sep 23, 2026
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More details - 4.55%APY$850 over 22 months on $10,000with conditions
Requirements
Product: For individual depositors. Specials may end at any time, without prior notice. Must meet membership eligibility requirements and open Membership Share Savings account with a $5 balance. Early withdrawal penalties apply.
Offer: With active checking account (a Fox Communities Credit Union checking account with a monthly direct deposit or two or more other deposits per month into the same Fox checking). Early withdrawal penalty: 365 Days.
Qualified rate · 4.47% interest rate · Effective Oct 5, 2026
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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
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More details - 4.35%APY$398 over 11 months on $10,000
Requirements
Product: Membership eligibility required. Dividends calculated daily and paid quarterly. 10-day grace period at maturity.
Offer: Special/promotional term; renews to a 1-year certificate.
4.28% interest rate · Effective Oct 5, 2026
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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
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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
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More details - 4.17%APY$705 over 20 months on $10,000
Requirements
Product: Allows continuous deposits over the duration of the certificate's term. Requires new money deposits. Compounded and credited quarterly. Penalty for early withdrawal is half of interest earned over the term.
Offer: Requires $1,000 new money deposit.
4.11% interest rate · Effective Oct 16, 2026
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More details - Shoreline Hometown Credit UnionShare CertificateCD · 24 months · $1,000 min
Credit union · 2 branches
4.01%APY$818 over 24 months on $10,000Requirements
Product: Membership eligibility required. Dividends compounded and credited quarterly. Penalty for early withdrawal is half of the interest earned over the term of the certificate. $1,000 minimum deposit ($500 for custodial accounts). Automatic renewal at maturity.
Offer: $500 minimum opening balance for custodial accounts.
3.95% interest rate · Effective Oct 16, 2026
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More details - 3.96%APY$97 over 3 months on $10,000
3.90% interest rate
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More details - 3.85%APY$2,079 over 60 months on $10,000
Requirements
Product: For individual depositors. Must meet membership eligibility requirements and open Membership Share Savings account with a $5 balance. Early withdrawal penalties apply.
Offer: Early withdrawal penalty: 365 Days.
3.80% interest rate · Effective Oct 5, 2026
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More details - Shoreline Hometown Credit UnionBump-Up Flex CertificateCD · 36 months · $5,000 min
Credit union · 2 branches
3.75%APY$1,168 over 36 months on $10,000intro rateRequirements
Product: Allows continuous deposits anytime. Offers up to three rate bumps over the certificate term. $5,000 new money deposit. Penalty for early withdrawal is half of the interest earned over the term.
Offer: $5,000 new money deposit. Allows up to 3 rate bumps over term.
Promotional rate · 3.70% interest rate · Effective Oct 16, 2026
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More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
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More details - 3.00%APY$927 over 36 months on $10,000
Requirements
Product: Penalties may be imposed on CDs and IRAs for early withdrawal.
Offer: 3 Year term. Penalties may be imposed on CDs and IRAs for early withdrawal.
2.96% interest rate · Effective Aug 3, 2026
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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 Manitowoc, WI metro
168 CDs at 14 banks and credit unions · checked Oct 6–22
- Typical
- 2.90%
- Top 10% from
- 4.23%
- Banks, typical
- 2.28%
- Credit unions, typical
- 3.63%
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Manitowoc, WI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Community First Credit UnionCredit union · 2 branches
- Shoreline Hometown Credit UnionCredit union · 2 branches
- UnitedOne Credit UnionCredit union · 3 branches