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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.

Term
Location

Top CD rates

Showing 1–15 results in Watertown, WI metro

  1. Top Carrot, Carrot Score 99
    Fort Community Credit UnionCertificatesCD · 60 months · $250 min

    Credit union · 4 branches

    5.15%APY$2,854 over 60 months on $10,000
  2. Summit Credit UnionRegular CertificateCD · 16 months · $5,000 min

    Credit union · 2 branches

    4.50%APY$604 over 16 months on $10,000
  3. Farmers & Merchants State BankCertificates of DepositCD · 25 months · $500 min

    Bank · 2 branches

    4.50%APY$960 over 25 months on $10,000intro rate
  4. Bank of Lake MillsCertificates of Deposit (CDs)CD · 26 months · $2,500 min

    Bank · 2 branches

    4.50%APY$1,001 over 26 months on $10,000
  5. Ixonia BankCertificate of DepositCD · 36 months · $1,000 min

    Bank · 3 branches

    4.50%APY$1,412 over 36 months on $10,000
  6. Landmark Credit UnionCertificate AccountCD · 12 months · $500 min

    Credit union · 1 branch

    4.40%APY$440 over 1 year on $10,000
  7. Associated BankStandard Term CDCD · 13 months · $5,000 min

    Bank · 2 branches

    4.40%APY$478 over 13 months on $10,000
  8. Ixonia Bank2-Year Choice Plus CDCD · 24 months · $10,000 min

    Bank · 3 branches

    4.40%APY$899 over 24 months on $10,000intro rate
  9. County-City Credit UnionShare CertificateCD · 13 months · $5,000 min

    Credit union · 1 branch

    4.27%APY$463 over 13 months on $10,000
  10. Badger BankCertificate of Deposit SpecialsCD · 19 months · $2,500 min

    Bank · 3 branches

    4.20%APY$673 over 19 months on $10,000with conditions
  11. Bank FirstCD SpecialCD · 35 months · $5,000 min

    Bank · 1 branch

    4.18%APY$1,269 over 35 months on $10,000with conditions
  12. First Citizens State BankCertificates of DepositCD · 14 months · $1,000 min

    Bank · 1 branch

    4.15%APY$486 over 14 months on $10,000intro rate
  13. Badger BankCertificates of Deposit (CDs)CD · 6 months · $1,000 min

    Bank · 3 branches

    4.00%APY$198 over 6 months on $10,000
  14. Avestar CUShare CertificateCD · 7 months · $500 min

    Credit union · 2 branches

    3.91%APY$226 over 7 months on $10,000
  15. Farmers & Merchants State Bank90 Day Option CDCD · 9 months · $500 min

    Bank · 2 branches

    3.85%APY$287 over 9 months on $10,000

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 Watertown, WI metro

157 CDs at 14 banks and credit unions · checked Oct 16

Typical
3.34%
Top 10% from
4.40%
Banks, typical
2.98%
Credit unions, typical
3.55%

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Watertown, WI metro

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Fort Community Credit UnionCredit union · 4 branches
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate