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 Eau Claire, WI metro
- 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
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More details - 4.70%APY$713 over 18 months on $10,000
Requirements
Product: Early withdrawal penalty applies. Dividends calculated and paid quarterly. Minimum opening deposit $100.
4.62% interest rate · Effective Oct 9, 2026
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More details - 4.50%APY$722 over 19 months on $10,000
Requirements
Product: After the first six months of account term, allows adding funds up to original balance, bumping rate once per term, and making a one-time penalty-free withdrawal of up to 50% of original balance. Rates could change after account is opened. Subject to early withdrawal penalty.
4.43% interest rate
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More details - 4.50%APY$2,462 over 60 months on $10,000
Requirements
Product: Membership required. Penalty may be imposed for early withdrawal and subject to account closure. APY assumes principal and interest remain on deposit for full term.
4.43% interest rate · Effective Oct 1, 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 - 4.35%APY$697 over 19 months on $10,000intro rate
Requirements
Product: Minimum balance to open an account is $1,000. Interest begins to accrue on the business day you make a deposit. Average daily balance method used to calculate interest. Additional deposits not permitted until maturity date. Early withdrawal penalty applies: less than 92 days is loss of interest on amount withdrawn or 1 month interest (whichever is greater); 92 days to 1 year is 3 months interest; greater than 1 year is 6 months interest. 10 calendar days grace period at maturity.
Offer: CD Special. Interest is compounded and credited monthly. This product automatically renews into our 18-month product at maturity.
Promotional rate · 4.27% interest rate · Effective Oct 6, 2026
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More details - 4.32%APY$395 over 11 months on $10,000
Requirements
Product: The minimum deposit for each CD is also the minimum balance to obtain the APY. A penalty may be imposed for early withdrawal.
Offer: The minimum deposit for each CD is also the minimum balance to obtain the APY. A penalty may be imposed for early withdrawal.
4.25% interest rate · Effective Oct 14, 2026
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More details - 4.30%APY$177 over 5 months on $10,000intro rate
Requirements
Product: Open in-branch with a friendly banker. 10 calendar day grace period at maturity. Early withdrawal penalty applies.
Offer: Interest credited at maturity. Account will automatically renew at maturity for a renewal term of 182 days. Early withdrawal fees may apply. Limited-time offer.
Promotional rate · 4.25% interest rate
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More details - 4.25%APY$210 over 6 months on $10,000
Requirements
Product: Rates could change after account is opened. Rates are subject to change without advance notice. APY assumes interest is added to account. Term Certificates of Deposit may be subject to early withdrawal penalty.
4.19% interest rate
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More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
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More details - 4.25%APY$461 over 13 months on $10,000intro rate
Requirements
Product: Membership required. Available for a limited time. Penalty for early withdrawal. Fees could reduce earnings. APY assumes principal and interest remain on deposit for full term.
Offer: Limited time offer. Minimum balance to earn dividends is $1,000.
Promotional rate · 4.18% interest rate · Effective Oct 1, 2026
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More details - Dairy State Bank30-Month Certificate SpecialCD · 30 months · $1,000 min · 4.05%–4.15% by balance
Bank · 1 branch
4.10%APY$1,057 over 30 months on $10,000intro rateRequirements
Product: Rates, terms and conditions are subject to change. Fees and withdrawals could reduce earnings. A penalty may be charged for early withdrawal on CDs, IRAs, and Christmas Clubs. Certificates of Deposits and IRAs automatically renew.
Promotional rate · 4.01% interest rate · Effective Jul 1, 2026
Rate by balance
Rate by balance for 30-Month Certificate Special Balance APY $1,000 and up 4.05% $10,000 and upYour amount 4.10% $30,000 and up 4.15% Rate checked
More details - 4.09%APY$444 over 13 months on $10,000
Requirements
Product: $1,000 minimum to open and earn APY. 18-Month CD allows adding $500 or more to balance at any time during the life of the CD.
Offer: 13 Month Special
4.03% interest rate · Effective Oct 1, 2026
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More details - 4.05%APY$1,265 over 36 months on $10,000
Requirements
Product: $500 minimum opening deposit. No monthly service charge. Interest rate locked in for full term. Early withdrawal penalty may apply. Available terms start from 3 months. Showing rates for Apple Valley branch.
Effective Sep 17, 2026
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More details - 4.01%APY$401 over 1 year on $10,000
Requirements
Product: Dividends calculated daily, credited and compounded monthly (or at maturity for 3 Month). Early withdrawal penalties apply. Rates vary by Membership Value Pricing (MVP) level. Minimum deposit $1,000 ($500 for age 16 and younger) unless otherwise stated.
Offer: Gold MVP Level: active checking with 5+ posted transactions/month and minimum $30,000 average monthly household balance or first mortgage with balance. Compounded monthly.
3.94% interest rate · Compounded monthly · Effective Oct 1, 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 Eau Claire, WI metro
226 CDs at 19 banks and credit unions · checked Oct 6–22
- Typical
- 2.67%
- Top 10% from
- 4.23%
- Banks, typical
- 2.15%
- Credit unions, typical
- 3.00%
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Find your bank or credit union to see all its rates and how they compare near you.
Eau Claire, WI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Marine Credit UnionCredit union · 3 branches
- Co-op Credit UnionCredit union · 1 branch
- WESTconsin Credit UnionCredit union · 3 branches