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 31–44 results in Madison, WI
- 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 For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding.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
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More details - 2.93%APY
Requirements
Product: Interest compounded and paid quarterly. Penalty for early withdrawal. $0 monthly maintenance fee. Automatically renewable CDs have a 10-day grace period. Non-renewable CDs do not pay interest after maturity.
2.90% interest rate · Effective Sep 29, 2026
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More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 2 branches
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 - 1.75%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
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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 - 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
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More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
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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 - 0.30%APY$121 over 48 months on $10,000
Requirements
Product: Interest paid at maturity for terms under 2 years, paid annually for terms 2, 3 & 4 years. Prime Time Plus customers earn an additional 0.10% (not applicable with any other special rate promotion). Penalty for early withdrawal applies.
Offer: Interest paid annually. Prime Time Plus customers earn an additional 0.10% (not applicable with any other special rate promotion). Penalty for early withdrawal applies.
0.30% interest rate · Effective Oct 1, 2026
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More details - 0.30%APY$181 over 72 months on $10,000
Requirements
Product: Time Deposits under $100,000. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. If the account term is greater than 12 months, interest cannot remain on deposit and payout of interest is mandatory.
Offer: Interest cannot remain on deposit; payout of interest is mandatory.
0.30% interest rate · Balance cap $99,999.99 · Effective Oct 5, 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
What CDs pay in Madison, WI
312 CDs at 23 banks and credit unions · checked Oct 16–22
- Typical
- 2.21%
- Top 10% from
- 4.05%
- Banks, typical
- 0.75%
- Credit unions, typical
- 3.30%
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Madison, WI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- UW Credit UnionCredit union · 17 branches
- Marine Credit UnionCredit union · 2 branches
- Blackhawk Community Credit UnionCredit union · 1 branch