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 16–30 results in Whitewater, WI metro
- 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 - UW Credit UnionNo Penalty CertificateCD · 9 months · $5,000 min · 3.25%–3.35% by balance
Credit union · 1 branch
3.30%APY$246 over 9 months on $10,000Requirements
Product: No penalty for early withdrawal during the certificate term. Full or partial withdrawals may be made after the first 5 business days of the certificate term.
3.20% interest rate · Effective Oct 9, 2026
Rate by balance
Rate by balance for No Penalty Certificate Balance APY $5,000 and up 3.25% $10,000 and upYour amount 3.30% $250,000 and up 3.35% Rate checked
More details - UW Credit UnionRegular CertificateCD · 9 months · $500 min · 3.25%–3.35% by balance
Credit union · 1 branch
3.30%APY$246 over 9 months on $10,000Requirements
Product: Dividends compounded daily and paid quarterly. Substantial penalties apply for premature withdrawal.
3.20% interest rate · Compounded daily · Effective Oct 2, 2026
Rate by balance
Rate by balance for Regular Certificate Balance APY $500 and up 3.25% $10,000 and upYour amount 3.30% $250,000 and up 3.35% Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 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 For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding.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 - 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$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
Rate checked
More details - Blackhawk Community Credit UnionSmart Saver CertificateCD · 12 months · $0 min
Credit union · 1 branch
1.96%APY$196 over 1 year on $10,000Requirements
Product: Features no minimum and up to a 12-month term; members can deposit anytime. Available with youth savings accounts (Money Minder and Money Maker).
Offer: Deposit anytime; no minimum balance requirement.
1.95% interest rate
Rate checked
More details - 1.90%APY$384 over 24 months on $10,000
Requirements
Product: Add-on CD allowing unlimited deposits throughout the term. Dividends are compounded and paid monthly. Advantage Plus Rewards incentive may not be applied. Fees may reduce earnings. Requires membership in Advia Credit Union.
Offer: Unlimited deposits permitted during term.
1.88% interest rate · Effective Jun 16, 2026
Rate checked
More details - 1.75%APY$443 over 30 months on $10,000
Requirements
Product: Add deposits anytime. Minimum balance to open is $250 if adding deposits of at least $25 per month via automatic transfer or Web Branch, otherwise $500. $100,000 maximum balance. Dividends compounded daily and paid quarterly.
1.73% interest rate · Compounded daily · Balance cap $100,000 · Effective Oct 9, 2026
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 · 1 branch
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 - 0.72%APY$72 over 1 year on $10,000
Requirements
Product: During December, principal may be withdrawn without penalty before maturity as long as at least $250 remains. $100,000 maximum balance.
0.72% interest rate · Balance cap $100,000 · Effective Oct 9, 2026
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
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 Whitewater, WI metro
243 CDs at 17 banks and credit unions · checked Oct 16–22
- Typical
- 2.00%
- Top 10% from
- 4.09%
- Banks, typical
- 0.55%
- Credit unions, typical
- 3.30%
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Find your bank or credit union to see all its rates and how they compare near you.
Whitewater, WI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Fort Community Credit UnionCredit union · 1 branch
- UW Credit UnionCredit union · 1 branch
- Blackhawk Community Credit UnionCredit union · 1 branch