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 Racine, WI metro
- 4.50%APY$2,462 over 60 months on $10,000
Requirements
Product: Membership required. Penalty may be imposed for early withdrawal and subject to account closure. APY assumes principal and interest remain on deposit for full term.
4.43% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.40%APY$440 over 1 year on $10,000
Requirements
Product: Personal accounts only. Minimum balance to open is $500. Early certificate withdrawal penalties apply (90 days of dividends for terms under 1 year; 180 days of dividends for all other terms). Financial institutions and public funds are ineligible.
Offer: Personal accounts only. Penalty for early withdrawal.
4.31% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.40%APY$478 over 13 months on $10,000intro rate
Requirements
Product: Fixed rate of return. Minimum deposit required to open is $1,000. Online opening available for existing North Shore Bank customers.
Offer: Promotional CD rate. Interest compounds quarterly.
Promotional rate · 4.33% interest rate · Effective Oct 15, 2026
Rate checked
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
Rate checked
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
Rate checked
More details - 4.25%APY$461 over 13 months on $10,000intro rate
Requirements
Product: Membership required. Available for a limited time. Penalty for early withdrawal. Fees could reduce earnings. APY assumes principal and interest remain on deposit for full term.
Offer: Limited time offer. Minimum balance to earn dividends is $1,000.
Promotional rate · 4.18% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.20%APY$243 over 7 months on $10,000intro rate
Requirements
Product: Rates are for new share certificates only. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account.
Offer: 7 Month Special. New share certificates only. Penalty will or may be imposed for early withdrawal.
Promotional rate · 4.14% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.10%APY$169 over 5 months on $10,000intro rate
Requirements
Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.
Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.
Promotional rate · 4.02% interest rate · Effective Oct 16, 2026
Rate checked
More details - Racine Municipal Employees Credit UnionCertificate AccountsCD · 7 months · $1,000 min
Credit union · 1 branch
4.10%APY$237 over 7 months on $10,000Requirements
Product: Minimum balance to open: $1,000. $5 membership deposit required. Closed before maturity: 90-day dividend penalty applies.
Offer: 7 Month Special
4.03% interest rate
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 - 4.00%APY$434 over 13 months on $10,000with conditions
Requirements
Product: Requires a Tri City National Bank checking account to open. Maximum balance of $500,000 per primary customer tax identification number (SSN or EIN). Not available for Individual Retirement Accounts (IRA). Early withdrawal penalty applies. Fees may reduce earnings.
Offer: Requires a Tri City National Bank checking account to open. Maximum deposit $500,000 per primary customer SSN/EIN. Not available for IRAs. Early withdrawal penalty applies. Fees may reduce earnings.
Qualified rate · 3.92% interest rate · Balance cap $500,000 · Effective Oct 7, 2026
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 - 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 - 3.50%APY$261 over 9 months on $10,000intro rate
Requirements
Product: Fixed-rate account. Additional deposits not allowed after opening. Early withdrawal penalty: 90 days dividends or $25 minimum, whichever is greater. 10-day grace period for renewal/withdrawal without penalty.
Offer: 9-Month Special term. Special rate.
Promotional rate · 3.50% interest rate · Effective Sep 1, 2026
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
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 Racine, WI metro
239 CDs at 17 banks and credit unions · checked Oct 16–22
- Typical
- 1.21%
- Top 10% from
- 4.00%
- Banks, typical
- 0.50%
- Credit unions, typical
- 2.65%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Racine, WI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Racine Municipal Employees Credit UnionCredit union · 1 branch
- Marine Credit UnionCredit union · 1 branch
- North Shore BankBank · 4 branches