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 16–29 results in Racine, 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$640 over 24 months on $10,000
Requirements
Product: Fixed rates. No setup or maintenance fees. Early withdrawal penalty applies. Automatically renews unless action taken during 10-day grace period. Interest credited quarterly or at maturity.
Offer: Early withdrawal penalty of 6 months' interest.
3.10% interest rate · Effective Oct 7, 2026
Rate checked
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 For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding.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
Rate checked
More details - 3.00%APY$1,593 over 60 months on $10,000
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.
3.00% interest rate · Effective Oct 15, 2026
Rate checked
More details - 2.88%APY$167 over 7 months on $10,000
Requirements
Product: Interest compounding quarterly. APY assumes interest remains on deposit. Penalty may be imposed for early withdrawals. Fixed rate for the term.
Offer: Interest compounding quarterly. Early withdrawal penalty may apply.
2.85% interest rate · Effective Sep 20, 2025
Rate checked
More details - 2.28%APY$700 over 36 months on $10,000
Requirements
Product: All CDs are subject to early withdraw penalties.
Offer: Subject to early withdraw penalties.
2.25% interest rate · Effective Dec 9, 2025
Rate checked
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 - 1.00%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
Rate checked
More details - Community State BankCertificate of DepositCD · 48 months · $500 min · 0.90%–1.30% by balance
Bank · 4 branches
0.90%APY$365 over 48 months on $10,000Requirements
Product: Terms range from 6 months to 5 years. Opening minimum is $500. Interest can be added to the balance, credited to a CSB savings or checking account, or mailed as a check. APY assumes interest remains on deposit. Penalty may be imposed for early withdrawals. Rate is fixed for the term.
Offer: Interest compounding annually.
0.90% interest rate · Effective Sep 20, 2025
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 and up 0.90% $5,000 and upYour amountInterest compounding quarterly. 0.90% $50,000 and upInterest compounding quarterly. 1.20% $100,000 and upInterest compounding quarterly. 1.30% Rate checked
More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
Rate checked
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 - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 6, 2026
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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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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?
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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