Best CD rates and certificates

Requirements

Product: Community Investment Certificate. Funds support liquidity for Milwaukee's underserved communities. Early withdrawal penalty: 180 days dividends. Additional deposits not allowed. Automatic renewal with 10-day grace period. Federally insured by NCUA.

Offer: 3-Year Term. Dividends compounded and credited quarterly. Early withdrawal penalty: 180 days dividends. Additional deposits not allowed.

Requirements

Product: Membership eligibility required.

Offer: Dividends compounded and paid quarterly.

Requirements

Product: Dividends paid monthly. A wide range of terms available (from 6 months to 5 years). Penalty for early withdrawal. $5,000 minimum deposit to open ($500 for minors). Special 12-month certificate available with a $25,000 minimum opening deposit.

Offer: Penalty for early withdrawal.

Requirements

Product: Dividends are compounded and paid quarterly. A penalty will be imposed for early withdrawal.

Offer: Early withdrawal penalty may be imposed.

Requirements

Product: Certificates are subject to early withdrawal penalties and renew automatically.

Offer: Term is 1 Year ($500 investment option). Dividends compounded and credited quarterly. Early withdrawal penalty equals 90 days dividends on entire balance.

Requirements

Product: Rate is guaranteed for the term of the certificate. A penalty will be imposed if certificate funds are withdrawn before the maturity date. APY assumes principal and earned dividends remain on deposit until maturity. Fees could reduce earnings.

Requirements

Product: Start with a low minimum balance of only $500.00 to open and maintain the account. Add deposits at any time in any amount during the 6 month term. Variable rate account. Make withdrawals without penalty 10 calendar days after the maturity date. A penalty may be imposed for early withdrawal of time deposit accounts. Fees may reduce earnings on this account.

Offer: Variable rate account. The interest rate and annual percentage yield may change after the account is opened.

Requirements

Product: Penalty for early withdrawal from a certificate of deposit account may be imposed. Fees could reduce earnings on these accounts.

Requirements

Product: Penalties may be imposed on CDs and IRAs for early withdrawal.

Offer: 3 Year term. Penalties may be imposed on CDs and IRAs for early withdrawal.

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.

Requirements

Product: Contact your relationship banker to open an account. Minimum balance is required to obtain the stated APYs. A penalty may be imposed for early withdrawal.

Offer: Annual; Simple

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.

Requirements

Product: Federally insured by NCUA for at least $250,000. Rates are subject to change at anytime.

Requirements

Product: Investor Choice CD: $10,000 minimum to open. Rates last updated 09/23/2026. Rate increase option: may increase rate once during term based on current rates; add funds up to initial deposit in $1,000 increments. Interest compounded and credited quarterly using daily balance method. Penalty: 12 months interest if maturity >24 months, 6 months if ≤24 months. Available for consumer deposits only.

Offer: Relationship rate requires Direct Deposit Checking.