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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 Watertown, WI metro
- 5.15%APY$2,854 over 60 months on $10,000
Requirements
Product: Dividends compounded and paid quarterly. Minimum opening deposit of $250. Early withdrawal penalties apply.
5.05% interest rate · Effective Oct 1, 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 - 4.50%APY$960 over 25 months on $10,000intro rate
Requirements
Product: Early withdrawal of funds is subject to penalty. Rate is based on term length.
Offer: 10% of the total CD amount must be funds from another financial institution; funds from any F&M deposit account do not qualify for the increased rate. Compounded annually. No IRA or HSA.
Promotional rate · 4.50% interest rate · Compounded annually
Rate checked
More details - 4.50%APY$1,001 over 26 months on $10,000
Requirements
Product: Minimum balance to open and obtain the APY. Early withdrawal may be subject to penalty. APY assumes interest remains on deposit. Fees could reduce earnings. Withdrawal of interest will reduce earnings.
Offer: 26 Month CD - SPECIAL! Minimum balance to open and obtain APY is $2,500.
4.40% interest rate · Effective Sep 9, 2026
Rate checked
More details - 4.50%APY$1,412 over 36 months on $10,000
Requirements
Product: Early withdrawal may be subject to penalty. Fees may reduce earnings.
Offer: Minimum balance to open/obtain the APY.
4.43% interest rate
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 $10,000
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$899 over 24 months on $10,000intro rate
Requirements
Product: 1 time rate bump. Additions of $500 or more at any time. Early withdrawal may be subject to penalty. Fees may reduce earnings.
Offer: 1 time rate bump. Additions of $500 or more at any time. Minimum balance to open/obtain the APY.
Promotional rate · 4.33% interest rate · Effective Sep 9, 2026
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More details - 4.27%APY$463 over 13 months on $10,000
Requirements
Product: Penalties apply for early withdrawal. Rates subject to change any time without notice. Fees may reduce earnings on the account.
4.20% interest rate · Effective Sep 14, 2026
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More details - 4.20%APY$673 over 19 months on $10,000with conditions
Requirements
Product: APY is based on daily compounding and assumes interest remains on deposit. Interest credited quarterly unless otherwise noted. Penalty for early withdrawal. Fees may reduce earnings.
Offer: Checking account required.
Qualified rate · 4.11% interest rate · Effective Oct 14, 2026
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More details - 4.18%APY$1,269 over 35 months on $10,000with conditions
Requirements
Product: Limited time offer. $5,000 minimum balance to open account. An active Bank First checking account with direct deposit is required to obtain this special. Penalty may be imposed for early withdrawal.
Offer: Interest is paid at 11 months and then semi-annually for the remaining term, renews into a 36 month CD. Requires $5,000 minimum to open and an active Bank First checking account with direct deposit.
Qualified rate · 4.14% interest rate
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More details - 4.15%APY$486 over 14 months on $10,000intro rate
Requirements
Product: Fixed interest rate for entire term of certificate. Interest does not compound. Renewable and Non-Renewable CDs are available. CD Specials renew at next shortest standard term rate. Subject to penalty for early withdrawal.
Offer: Special term CD; renews at next shortest standard term rate.
Promotional rate · 4.15% interest rate · Effective Sep 17, 2026
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More details - 4.00%APY$198 over 6 months on $10,000
Requirements
Product: No setup or maintenance fees. APY is based on daily compounding and assumes interest remains on deposit. Interest credited quarterly unless noted. Penalty for early withdrawal. Option CD offers a one-time rate change and a one-time opportunity to add additional funds during the term.
3.92% interest rate · Effective Oct 14, 2026
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More details - 3.91%APY$226 over 7 months on $10,000
Requirements
Product: Dividends are paid quarterly. Early withdrawal penalty is 90 days interest. Avestar matches rates on certificates with comparable terms from other local financials.
3.85% interest rate
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More details - 3.85%APY$287 over 9 months on $10,000
Requirements
Product: 9 month term CD with option to deposit or withdraw balance, without penalty, at each 90 day anniversary upon request of account holder. If entire balance is not withdrawn, the minimum balance must be maintained. Aggregate deposits during the 9 month term may not exceed $250,000. No institutional money. Health Savings Accounts (HSAs) are not available.
Offer: Compounded quarterly.
3.80% interest rate · Compounded quarterly
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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 Watertown, WI metro
157 CDs at 14 banks and credit unions · checked Oct 16
- Typical
- 3.34%
- Top 10% from
- 4.40%
- Banks, typical
- 2.98%
- Credit unions, typical
- 3.55%
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Watertown, WI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Fort Community Credit UnionCredit union · 4 branches