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 Oshkosh, WI metro
- 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
Rate checked
More details - 3.15%APY$1,677 over 60 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal. Payment of interest: added to principal or transferred to checking/savings.
3.10% interest rate · Effective Aug 3, 2026
Rate checked
More details - National Exchange Bank & TrustCertificates of Deposit - Fixed RateCD · 36 months · $1,000 min
Bank · 1 branch
3.00%APY$927 over 36 months on $10,000Requirements
Product: Penalty for early withdrawal from a certificate of deposit account may be imposed. Fees could reduce earnings on these accounts.
3.00% interest rate · Effective Oct 15, 2026
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More details - 3.00%APY$1,564 over 59 months on $10,000
Requirements
Product: Rates for ZIP code 60606. Early withdrawal penalties may apply. Account must be opened online, by phone, or at a financial center. For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding. CDs opened online cannot be for an IRA.
Effective Sep 17, 2026
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More details - 2.90%APY$741 over 30 months on $10,000with conditions
Requirements
Product: Offers an option to increase the rate one time during the term based on current rates; additional funds may be added up to initial deposit amount in $1,000 increments at time of increase. Interest compounded and credited quarterly using daily balance method. Penalty for early withdrawal: 12 months interest if maturity is more than 24 months.
Offer: Relationship rate requires Direct Deposit Checking.
Qualified rate · 2.87% interest rate · Effective Sep 23, 2026
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More details - 2.50%APY$250 over 1 year on $10,000
Requirements
Product: Add-on deposits allowed. Dividends calculated using daily balance method and compounded quarterly. Automatically renews for 12-month terms with a 10-day grace period. Early withdrawal penalty may apply. Institutional and government deposits excluded.
Offer: Compounds quarterly. Add-on deposits allowed.
2.48% interest rate · Compounded quarterly · Effective Sep 24, 2026
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More details - 2.28%APY$113 over 6 months on $10,000
Requirements
Product: $1,000.00 initial deposit requirement. No minimum balance to earn Annual Percentage Yield (APY). Fixed interest rate for entire term. Automatically renews into a CD with the same term. Penalty will or may be imposed for early withdrawal.
Offer: No compounding during term. Interest credited at maturity.
2.27% interest rate
Rate checked
More details - Oshkosh Community Credit UnionShare Certificates AccountCD · 60 months · $2,500 min
Credit union · 1 branch
2.28%APY$1,193 over 60 months on $10,000Requirements
Product: Dividends will be compounded and credited quarterly. Dividends must remain in the account until maturity. Early withdrawal penalty may apply.
2.25% interest rate · Effective Jan 17, 2025
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More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 1 branch
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details - 1.75%APY$443 over 30 months on $10,000
Requirements
Product: Add deposits anytime. Minimum balance to open is $250 if adding deposits of at least $25 per month via automatic transfer or Web Branch, otherwise $500. $100,000 maximum balance. Dividends compounded daily and paid quarterly.
1.73% interest rate · Compounded daily · Balance cap $100,000 · Effective Oct 9, 2026
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More details - 1.00%APY$100 over 1 year on $10,000
Requirements
Product: Unlimited additional deposits allowed anytime.
Offer: 12 month term with add-on feature. Unlimited additional deposits allowed.
1.00% interest rate · Effective Oct 15, 2026
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More details - 0.72%APY$72 over 1 year on $10,000
Requirements
Product: During December, principal may be withdrawn without penalty before maturity as long as at least $250 remains. $100,000 maximum balance.
0.72% interest rate · Balance cap $100,000 · Effective Oct 9, 2026
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More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
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More details - 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 - 0.35%APY$88 over 30 months on $10,000
Requirements
Product: CD is not IRA eligible. Additions of any amount permitted at any time.
Offer: 2 1/2-year term. Interest compounds quarterly. Additions of any amount permitted at any time. Not IRA eligible.
0.35% interest rate · Effective Oct 15, 2026
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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