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 Oshkosh, WI
- 5.05%APY$207 over 5 months on $10,000
Requirements
Product: Penalty for early withdrawal on Certificates.
Offer: CD Special: Pick Your Term - Choose from 5, 10, or 15 Months Term. Penalty for early withdrawal on Certificates.
4.94% interest rate · Effective Oct 15, 2026
Rate checked
More details - 5.00%APY$415 over 10 months on $10,000intro rate
Requirements
Product: Automatically renews at maturity: 10-month certificate will renew into an 6-month term. Early withdrawal penalty may apply. Institutional and government deposits excluded.
Offer: Compounds quarterly. Automatically renews into a 6-month term.
Promotional rate · 4.91% interest rate · Effective Sep 24, 2026
Rate checked
More details - 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 - 4.55%APY$850 over 22 months on $10,000with conditions
Requirements
Product: For individual depositors. Specials may end at any time, without prior notice. Must meet membership eligibility requirements and open Membership Share Savings account with a $5 balance. Early withdrawal penalties apply.
Offer: With active checking account (a Fox Communities Credit Union checking account with a monthly direct deposit or two or more other deposits per month into the same Fox checking). Early withdrawal penalty: 365 Days.
Qualified rate · 4.47% interest rate · Effective Oct 5, 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 - 4.25%APY$461 over 13 months on $10,000intro rate
Requirements
Product: Must be eligible and qualify for membership at Verve, a Credit Union; purchase and maintain 1 share at par value of $5.00 in a savings account. Penalty for early withdrawal.
Offer: Special rate certificate. Dividends compound monthly. Automatic renewal upon maturity.
Promotional rate · 4.17% interest rate · Effective Sep 23, 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 - 4.18%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
Rate checked
More details - Winnebago Community Credit Union8-Month Share Certificate SpecialCD · 8 months · $5,000 min
Credit union · 2 branches
4.10%APY$271 over 8 months on $10,000intro rateRequirements
Product: Membership eligibility required. NCUA insured. Certificate dividends compound monthly. Early withdrawal penalty may be imposed. Minimum deposit/balance of $5,000 to open and earn APY. Rates subject to change.
Offer: Certificate dividends compound monthly. Early withdrawal penalty may be imposed. Minimum deposit/balance of $5,000 to open/earn APY.
Promotional rate · 4.03% interest rate · Effective Apr 25, 2025
Rate checked
More details - 4.10%APY$910 over 26 months on $10,000intro rate
Requirements
Product: Not eligible for institutional investors. New money only. A penalty may be imposed for early withdrawal.
Offer: New money only. Not eligible for institutional investors. Penalty may be imposed for early withdrawal.
Promotional rate · 4.02% interest rate · Effective Aug 3, 2026
Rate checked
More details - 4.08%APY$339 over 10 months on $10,000
Requirements
Product: Membership is open to anyone who lives or works in Winnebago, Fond Du Lac, and Outagamie counties in Wisconsin. A minimum deposit is required to open. Dividends are paid quarterly. Early withdrawal penalties apply. Option for automatic renewal at maturity.
Offer: Share Certificate Special. $5,000 minimum required.
4.02% interest rate
Rate checked
More details - 4.00%APY$641 over 19 months on $10,000
Requirements
Product: FVSBank reserves the right to limit new accounts to people residing in its Wisconsin market areas. Early withdrawals may be subject to penalties.
4.00% interest rate · Effective Oct 13, 2026
Rate checked
More details - 3.95%APY$2,137 over 60 months on $10,000
Requirements
Product: Fixed rates guaranteed for length of term. Federally insured by NCUA. Early withdrawal penalty may apply. Institutional and government deposits excluded.
Offer: Compounds quarterly.
3.89% interest rate · Effective Sep 24, 2026
Rate checked
More details - 3.87%APY$2,091 over 60 months on $10,000
Requirements
Product: Fixed Rate Certificates of Deposit (CODs) may be subject to an early withdrawal penalty. Interest compounds monthly. APY assumes interest remains in account until maturity or funds are withdrawn. Withdrawals and fees will reduce earnings.
Offer: Interest compounds monthly. Early withdrawal penalty may apply.
3.80% interest rate · Effective Sep 8, 2026
Rate checked
More details - 3.85%APY$2,079 over 60 months on $10,000
Requirements
Product: For individual depositors. Must meet membership eligibility requirements and open Membership Share Savings account with a $5 balance. Early withdrawal penalties apply.
Offer: Early withdrawal penalty: 365 Days.
3.80% interest rate · Effective Oct 5, 2026
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 Oshkosh, WI
260 CDs at 19 banks and credit unions · checked Oct 16–17
- Typical
- 2.66%
- Top 10% from
- 4.10%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.30%
Is your bank paying you enough?
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Oshkosh, WI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Community First Credit UnionCredit union · 10 branches
- Evergreen Credit UnionCredit union · 1 branch
- Capital Credit UnionCredit union · 2 branches