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 Stevens Point, WI metro
- 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
Rate checked
More details - 4.50%APY$604 over 16 months on $10,000
Requirements
Product: Minimum balance to open is $500. Early withdrawal penalties apply.
Offer: Minimum balance to earn APY $5,000.
4.41% interest rate · Effective Oct 16, 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 - 4.40%APY$478 over 13 months on $10,000
Requirements
Product: Dividends compounded and paid quarterly. A penalty may be imposed for early withdrawal of funds. Terms range from 3 months to 5 years.
Offer: MaxYield Rate
4.33% interest rate · Effective Oct 5, 2026
Rate checked
More details - UW Credit UnionCertificates SpecialsCD · 14 months · $5,000 min · 4.15%–4.25% by balance
Credit union · 1 branch
4.20%APY$492 over 14 months on $10,000Requirements
Product: Dividends compounded daily and paid quarterly. Early withdrawal penalties apply.
4.07% interest rate · Compounded daily · Effective Oct 9, 2026
Rate by balance
Rate by balance for Certificates Specials Balance APY $5,000 and up 4.15% $10,000 and upYour amount 4.20% $250,000 and up 4.25% Rate checked
More details - 4.09%APY$444 over 13 months on $10,000
Requirements
Product: $1,000 minimum to open and earn APY. 18-Month CD allows adding $500 or more to balance at any time during the life of the CD.
Offer: 13 Month Special
4.03% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.00%APY$366 over 11 months on $10,000intro rate
Requirements
Product: Rate subject to change after the account is opened. Fees could reduce earnings on the account. Deposits insured by FDIC. Penalties may be imposed for early withdrawal of funds from Certificate of Deposit Accounts.
Offer: 11 Month Special.
Promotional rate · Effective Aug 5, 2026
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More details - 3.80%APY$2,050 over 60 months on $10,000
Requirements
Product: Dividends earned daily, compounded and posted quarterly (except 6-month term where dividend is paid at end of term). Early withdrawal penalty may apply. Fees may reduce earnings. 24-month or longer certificates may qualify for Customiser Coupons to bump rate and/or add deposits.
Offer: Dividend paid quarterly. May qualify for Customiser Coupons to bump rate and/or add a deposit.
3.75% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: Most CDs are automatically renewable. Special CD terms renew automatically into a standard term upon maturity. A penalty may be imposed for early withdrawal.
Offer: CD Specials up to $250,000 per term available to new or existing Peoples State Bank active checking account customers or to those with $10,000.00 in new money to Peoples State Bank. An active checking account requires aggregated $500+ in ACH direct deposits or mobile deposits monthly. Renews automatically into standard term. A penalty will be imposed for early withdrawal. Not available for brokered funds.
3.72% interest rate · Balance cap $250,000 · Effective Sep 21, 2026
Rate checked
More details - Central Wisconsin Credit UnionShare CertificatesCD · 60 months · $1,000 min · 3.51%–3.71% by balance
Credit union · 2 branches
3.51%APY$1,880 over 60 months on $10,000Requirements
Product: Interest/dividends are compounded and paid monthly. Early withdrawal penalty of 90 days interest applies if principal is withdrawn prior to maturity (waived for certifiable hardship or death). Can be used as collateral for a share secured loan.
3.45% interest rate
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and upYour amount 3.51% $40,000 and up 3.71% 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 - 3.46%APY$1,854 over 60 months on $10,000
Requirements
Product: Early withdrawal will result in penalty.
3.40% interest rate
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$191 over 7 months on $10,000intro rate
Requirements
Product: Penalties may be applied for early withdrawal.
Offer: 7 Month Special
Promotional rate · 3.25% interest rate · Effective Aug 4, 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 Stevens Point, WI metro
243 CDs at 17 banks and credit unions · checked Oct 16
- Typical
- 2.00%
- Top 10% from
- 3.75%
- Banks, typical
- 1.05%
- Credit unions, typical
- 3.10%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Stevens Point, WI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Simplicity Credit UnionCredit union · 2 branches
- UW Credit UnionCredit union · 1 branch
- Valley Communities Credit UnionCredit union · 1 branch