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 Oshkosh, WI metro
- 4.08%APY$339 over 10 months on $10,000
Requirements
Product: Membership is open to anyone who lives or works in Winnebago, Fond Du Lac, and Outagamie counties in Wisconsin. A minimum deposit is required to open. Dividends are paid quarterly. Early withdrawal penalties apply. Option for automatic renewal at maturity.
Offer: Share Certificate Special. $5,000 minimum required.
4.02% interest rate
Rate checked
More details - 4.00%APY$641 over 19 months on $10,000
Requirements
Product: FVSBank reserves the right to limit new accounts to people residing in its Wisconsin market areas. Early withdrawals may be subject to penalties.
4.00% interest rate · Effective Oct 13, 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 - 3.95%APY$2,137 over 60 months on $10,000
Requirements
Product: Fixed rates guaranteed for length of term. Federally insured by NCUA. Early withdrawal penalty may apply. Institutional and government deposits excluded.
Offer: Compounds quarterly.
3.89% interest rate · Effective Sep 24, 2026
Rate checked
More details - 3.87%APY$2,091 over 60 months on $10,000
Requirements
Product: Fixed Rate Certificates of Deposit (CODs) may be subject to an early withdrawal penalty. Interest compounds monthly. APY assumes interest remains in account until maturity or funds are withdrawn. Withdrawals and fees will reduce earnings.
Offer: Interest compounds monthly. Early withdrawal penalty may apply.
3.80% interest rate · Effective Sep 8, 2026
Rate checked
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
Rate checked
More details - 3.80%APY$2,050 over 60 months on $10,000
Requirements
Product: Dividends are compounded monthly. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates subject to change without notice.
Offer: Minimum Balance to Earn APY: $500.
3.74% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - 3.58%APY$542 over 18 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal. Fees may reduce earnings. Certificates of Deposit available for personal and business.
Offer: 1 1/2 Year CD (18 Month) term. Penalty for early withdrawal.
3.55% interest rate · Effective Sep 1, 2026
Rate checked
More details - UW Credit UnionRate Bump CertificateCD · 24 months · $5,000 min · 3.50%–3.60% by balance
Credit union · 1 branch
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 - 3.44%APY$1,842 over 60 months on $10,000intro rate
Requirements
Product: Member eligibility required. Substantial early withdrawal penalties apply (equal to 180 days' interest on the amount withdrawn). Automatic renewal at the current rate with a ten-day grace period at maturity.
Offer: Dividend paid quarterly.
Promotional rate · 3.40% interest rate
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - UW Credit UnionNo Penalty CertificateCD · 9 months · $5,000 min · 3.25%–3.35% by balance
Credit union · 1 branch
3.30%APY$246 over 9 months on $10,000Requirements
Product: No penalty for early withdrawal during the certificate term. Full or partial withdrawals may be made after the first 5 business days of the certificate term.
3.20% interest rate · Effective Oct 9, 2026
Rate by balance
Rate by balance for No Penalty Certificate Balance APY $5,000 and up 3.25% $10,000 and upYour amount 3.30% $250,000 and up 3.35% Rate checked
More details - UW Credit UnionRegular CertificateCD · 9 months · $500 min · 3.25%–3.35% by balance
Credit union · 1 branch
3.30%APY$246 over 9 months on $10,000Requirements
Product: Dividends compounded daily and paid quarterly. Substantial penalties apply for premature withdrawal.
3.20% interest rate · Compounded daily · Effective Oct 2, 2026
Rate by balance
Rate by balance for Regular Certificate Balance APY $500 and up 3.25% $10,000 and upYour amount 3.30% $250,000 and up 3.35% Rate checked
More details - National Exchange Bank & TrustCertificates of Deposit - Variable RateCD · 36 months · $300 min
Bank · 1 branch
3.30%APY$1,023 over 36 months on $10,000intro rateRequirements
Product: Penalty for early withdrawal from a certificate of deposit account may be imposed. Fees could reduce earnings on these accounts.
Offer: Dollars for Scholars - 36 Month. $50 minimum add-on amount. Variable rate valid through October 28, 2026.
Promotional rate · 3.30% interest rate · Effective Oct 15, 2026
Rate checked
More details - Winnebago Community Credit UnionShare CertificatesCD · 24 months · $1,000 min
Credit union · 3 branches
3.25%APY$661 over 24 months on $10,000Requirements
Product: Membership eligibility required. NCUA insured. Constant dollar amount invested; no deposits or withdrawals allowed. Early withdrawal penalty applies. Certificate dividends compound monthly. APY assumes dividends remain until maturity.
Offer: Constant dollar amount invested; no deposits or withdrawals allowed. Penalty for early withdrawal. Dividends compound monthly.
3.20% interest rate · Effective Apr 25, 2025
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 Oshkosh, WI metro
349 CDs at 26 banks and credit unions · checked Oct 16–22
- Typical
- 2.75%
- Top 10% from
- 4.10%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.25%
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Oshkosh, WI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Community First Credit UnionCredit union · 10 branches
- Evergreen Credit UnionCredit union · 1 branch
- Capital Credit UnionCredit union · 2 branches