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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 Rice Lake, 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
Rate checked
More details - Dairy State Bank30-Month Certificate SpecialCD · 30 months · $1,000 min · 4.05%–4.15% by balance
Bank · 4 branches
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 - 4.01%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
Rate checked
More details - Community Bank of CameronCertificate of Deposit (CD)CD · 30 months · $1,000 min · 3.75%–4.00% by balance
Bank · 1 branch
3.95%APY$1,017 over 30 months on $10,000Requirements
Product: Compounded quarterly. Early withdrawal penalties may apply.
Offer: 30 Month term.
3.70% interest rate · Compounded quarterly
Rate by balance
Rate by balance for Certificate of Deposit (CD) Balance APY $1,000 and up 3.75% $10,000 and upYour amount 3.95% $20,000 and up 4.00% Rate checked
More details - 3.85%APY$418 over 13 months on $10,000intro rate
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.
Promotional rate · 3.84% interest rate · Effective Oct 15, 2026
Rate checked
More details - Community Bank of CameronPerformance+ CDCD · 30 months · $1,000 min · 3.60%–3.85% by balance
Bank · 1 branch
3.80%APY$977 over 30 months on $10,000Requirements
Product: Compounded quarterly. The interest rate for your account may be changed ONCE by you during any term of this account. Early withdrawal penalties may apply.
Offer: 30 Month term. Rate may be changed once by customer during term.
3.55% interest rate · Compounded quarterly
Rate by balance
Rate by balance for Performance+ CD Balance APY $1,000 and up 3.60% $10,000 and upYour amount 3.80% $20,000 and up 3.85% Rate checked
More details - 3.77%APY$377 over 1 year on $10,000
Requirements
Product: Membership required and account opening upon qualification. Substantial penalty for early withdrawal. Dividends calculated daily, compounded and paid monthly.
3.70% interest rate · Effective Jul 6, 2026
Rate checked
More details - Dairy State BankCertificates of DepositCD · 36 months · $1,000 min · 3.60%–3.80% by balance
Bank · 4 branches
3.70%APY$1,152 over 36 months on $10,000Requirements
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.
3.60% interest rate · Effective Jul 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 and up 3.60% $10,000 and upYour amount 3.70% $30,000 and up 3.80% Rate checked
More details - 3.40%APY$369 over 13 months on $10,000
Requirements
Product: Dividends compounded monthly. Penalty imposed for early withdrawal. Minimum deposit to open is $500.
Offer: Applies exclusively to Raise Your Rate Share Certificates, which allow a one-time rate increase during the certificate term requested by the member based on SCCU currently offered rate. Promotional rate.
Compounded monthly
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000
Requirements
Product: Membership required and account opening upon qualification. Insured by NCUA. Substantial penalty for early withdrawal. Dividends calculated daily, compounded and paid monthly.
3.25% interest rate · Effective Feb 2, 2026
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$1,593 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
Rate checked
More details - 2.90%APY$741 over 30 months on $10,000with conditions
Requirements
Product: Offers an option to increase the rate one time during the term based on current rates; additional funds may be added up to initial deposit amount in $1,000 increments at time of increase. Interest compounded and credited quarterly using daily balance method. Penalty for early withdrawal: 12 months interest if maturity is more than 24 months.
Offer: Relationship rate requires Direct Deposit Checking.
Qualified rate · 2.87% interest rate · Effective Sep 23, 2026
Rate checked
More details - 2.38%APY$731 over 36 months on $10,000with conditions
Requirements
Product: Open with $5,000 initial deposit. Make additional deposits of at least $1,000 anytime. Allows increasing the rate one time and making a one-time withdrawal of up to 50% of the original certificate amount without penalty. Compounded monthly. Early withdrawal penalties apply. Rates vary by MVP level.
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.
Qualified rate · 2.35% interest rate · Compounded monthly · Effective Oct 1, 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
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 Rice Lake, WI metro
117 CDs at 8 banks and credit unions · checked Oct 6–16
- Typical
- 2.95%
- Top 10% from
- 4.00%
- Banks, typical
- 3.20%
- Credit unions, typical
- 2.63%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Rice Lake, WI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- WESTconsin Credit UnionCredit union · 2 branches
- Royal Credit UnionCredit union · 1 branch