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 16–24 results in Watertown, WI metro
- 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
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More details - 3.50%APY
Requirements
Product: A Certificate of Deposit that supplements income with fixed monthly funds from your certificate of deposit. Customer must have an agreed upon monthly automatic (no checks issued) disbursement/withdrawal that cannot be changed. Single Maturity, last disbursement/withdrawal will close the account. Health Saving Accounts (HSAs) are not available.
Offer: Compounded monthly. 24, 36, 48, and 60-month terms available.
3.44% interest rate · Compounded monthly
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More details - 3.25%APY$548 over 20 months on $10,000
Requirements
Product: Must have minimum monthly automatic deposits of $20. IRA & HSA accounts are not available.
Offer: Compounded annually. Requires minimum monthly automatic deposit of $20.
3.24% interest rate · Compounded annually
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More details - 3.03%APY$937 over 36 months on $10,000
3.00% interest rate
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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 For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding.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 - 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
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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
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More details - 1.25%APY$125 over 1 year on $10,000
Requirements
Product: Minimum balance to open is $250. Add up to $10,000 more during your term.
1.24% interest rate · Effective Oct 16, 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
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