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Wisconsin Credit Union IRA CD Rates 2019

If you have your savings dollars in a big bank or a bank with low savings rates, then you are losing money. We've found FDIC insured banks that will pay you more. Take a few minutes to explore the options below and see how you can boost your savings by more than 6X the national average rate. There is competition for your money. Take advantage of it!

WI - June 25, 2019

Advertiser Disclosure
Credit UnionS APY Months MIN Miles?
Dupaco Community
Restrictions
3.26% 45 $100,000 -
3.20% 39 $5,000 -
3.03% 60 $500 -
Dupaco Community
Restrictions
3.01% 45 $5,000 -
Thrivent
Restrictions
3.00% 30 $1,000 -
2.99% 27 $5,000 -
Community First
Restrictions
2.90% 17 $10,000 -
Heartland
Restrictions
2.90% 37 $500 -
Summit
Restrictions
2.90% 42 $500 -
2.85% 39 $500 -
2.79% 14 $5,000 -
Simplicity
Restrictions
2.78% 30 $500 -
Altra
Restrictions
2.75% 27 $1,000 -
Dupaco Community
Restrictions
2.75% 29 $100,000 -
Pcm
Restrictions
2.75% 25 $10,000 -
2.75% - $5,000 -
Heartland
Restrictions
2.75% 21 $500 -
Landmark
Restrictions
2.75% 25 $500 -
2.60% 27 $500 -
Landmark
Restrictions
2.60% 19 $500 -
Capital
Restrictions
2.60% 12 $5,000 -
Westby Co-op
Restrictions
2.60% 38 $5,000 -
Post Office
Restrictions
2.55% 26 $500 -
2.55% 39 $250,000 -
Quorum
Restrictions
2.50% - $1,000 -
Altra
Restrictions
2.50% 10 $1,000 -
2.50% 20 $2,500 -
Advia
Restrictions
2.50% 25 $500 -
Dupaco Community
Restrictions
2.50% 15 $5,000 -
2.50% 39 $10,000 -
Fox Communities
Restrictions
2.50% 15 $5,000 -
Landmark
Restrictions
2.50% 13 $500 -
Unison
Restrictions
2.50% 15 $5,000 -
Summit
Restrictions
2.50% 23 $500 -
Indianhead
Restrictions
2.47% 48 $5,000 -
Advia
Restrictions
2.45% 10 $500 -
2.45% 39 $500 -
Melrose
Restrictions
2.42% - $5,000 -
Firefighters
Restrictions
2.41% 10 $1,000 -
Shoreline
Restrictions
2.40% 36 $5,000 -
Fort Community
Restrictions
2.40% 35 $250 -
2.40% 12 $2,000 -
Heritage
Restrictions
2.40% 17 $500 -
Indianhead
Restrictions
2.37% 60 $10,000 -
Westby Co-op
Restrictions
2.35% 13 $5,000 -
Co-op
Restrictions
2.34% 15 $100 -
Appletree
Restrictions
2.32% - $5,000 -
Great Lakes
Restrictions
2.30% 25 $1,000 -
Dupaco Community
Restrictions
2.25% 15 $5,000 -
Pcm
Restrictions
2.25% - $500 -
Kohler
Restrictions
2.25% 11 $10,000 -
R.i.a.
Restrictions
2.22% - $500 -
Hayward Community
Restrictions
2.20% 24 $1,000 -
2.17% - $1,000 -
Self-help
Restrictions
2.12% - $100 -
Co-op
Restrictions
2.12% - $1,000 -
2.10% 15 $250,000 -
Heartland
Restrictions
2.10% 13 $500 -
2.10% 40 $1,000 -
Ripco
Restrictions
2.07% - $500 -
2.05% 15 $10,000 -
2.02% - $5,000 -
Simplicity
Restrictions
2.02% - $250 -
Royal
Restrictions
2.02% - $1,000 -
2.01% 11 $10,000 -
Pcm
Restrictions
2.00% 5 $10,000 -
Shipbuilders
Restrictions
2.00% - $500 -
Post Office
Restrictions
2.00% 14 $500 -
2.00% 15 $500 -
Community First
Restrictions
2.00% - $1,000 -
Centralalliance
Restrictions
2.00% - $1,000 -
Fox Communities
Restrictions
2.00% - $500 -
Covantage
Restrictions
2.00% - $1,000 -
Unison
Restrictions
2.00% - $500 -
Capital
Restrictions
2.00% - $1,000 -
2.00% - $1,000 -
Fort Community
Restrictions
2.00% 15 $250 -
Summit
Restrictions
2.00% 13 $500 -
Thrivent
Restrictions
2.00% - $1,000 -
Firefighters
Restrictions
1.95% - $1,000 -
Westby Co-op
Restrictions
1.95% - $500 -
1st Community
Restrictions
1.92% - $1,000 -
Unitedone
Restrictions
1.85% - $1,000 -
Shoreline
Restrictions
1.84% - $1,000 -
1.82% - $1,000 -
1.81% - $500 -
Arcadia
Restrictions
1.80% - $2,000 -
Sheboygan Area
Restrictions
1.76% 59 $25,000 -
1.76% - $500 -
Westconsin
Restrictions
1.76% - $500 -
Heartland
Restrictions
1.75% 9 $500 -
Sheboygan Area
Restrictions
1.71% 59 $10,000 -
1.71% - $1,000 -
Unison
Restrictions
1.71% - $500 -
Fond Du Lac
Restrictions
1.71% - $500 -
Sheboygan Area
Restrictions
1.66% 59 $25,000 -
Sheboygan Area
Restrictions
1.61% 59 $10,000 -
Great Lakes
Restrictions
1.60% 13 $1,000 -
Hayward Community
Restrictions
1.60% 12 $100,000 -
Glacier Hills
Restrictions
1.60% - $500 -
Tomah Area
Restrictions
1.56% - $1 -
Hayward Community
Restrictions
1.55% 12 $50,000 -
1.50% - $500 -
Hayward Community
Restrictions
1.50% - $1,000 -
Indianhead
Restrictions
1.46% - $1,000 -
Kohler
Restrictions
1.45% - $500 -
Brokaw
Restrictions
1.41% - $500 -
First Choice
Restrictions
1.31% - $500 -
Sheboygan Area
Restrictions
1.31% 59 $5,000 -
Bay Shore
Restrictions
1.30% - $500 -
1.26% - $500 -
Heritage
Restrictions
1.25% 7 $500 -
Altra
Restrictions
1.15% - $1,000 -
Great Lakes
Restrictions
1.15% - $1,000 -
Southern Lakes
Restrictions
1.10% - $500 -
Oakdale
Restrictions
1.10% - $250 -
1.06% - $1,000 -
Sheboygan Area
Restrictions
1.01% 37 $25,000 -
1.00% - $500 -
Fort Community
Restrictions
1.00% - $250 -
Park City
Restrictions
1.00% - $1,000 -
Sheboygan Area
Restrictions
0.96% 37 $10,000 -
Superior Choice
Restrictions
0.95% - $2,500 -
Sheboygan Area
Restrictions
0.91% 37 $25,000 -
Advia
Restrictions
0.90% - $500 -
0.90% - $500 -
Sheboygan Area
Restrictions
0.86% 37 $10,000 -
Focus
Restrictions
0.85% - $1,000 -
0.85% - $1,000 -
Sentry
Restrictions
0.80% - $500 -
Landmark
Restrictions
0.80% - $500 -
Cloverbelt
Restrictions
0.80% - $1,000 -
Educators
Restrictions
0.76% - $500 -
Heartland
Restrictions
0.75% - $500 -
Summit
Restrictions
0.75% - $500 -
Dupaco Community
Restrictions
0.70% - $1,000 -
0.70% - $500 -
0.70% - $500 -
Sheboygan Area
Restrictions
0.66% 25 $25,000 -
Prime Financial
Restrictions
0.65% - $250 -
Dane County
Restrictions
0.65% - $250 -
Sheboygan Area
Restrictions
0.61% 25 $10,000 -
0.60% - $1,000 -
Sheboygan Area
Restrictions
0.56% 25 $5,000 -
Sheboygan Area
Restrictions
0.51% 25 $10,000 -
Empower
Restrictions
0.50% - $100 -
Sheboygan Area
Restrictions
0.46% 13 $25,000 -
Premier Financial
Restrictions
0.45% - $500 -
Sheboygan Area
Restrictions
0.41% 13 $10,000 -
Sheboygan Area
Restrictions
0.36% 13 $25,000 -
Tri-county
Restrictions
0.35% - $500 -
Sheboygan Area
Restrictions
0.31% 9 $10,000 -
0.30% - $500 -
Heritage
Restrictions
0.30% - $500 -
Sheboygan Area
Restrictions
0.26% 9 $10,000 -
Post Office
Restrictions
0.25% - $500 -
Sheboygan Area
Restrictions
0.21% 25 $5,000 -
Guardian
Restrictions
0.20% - $250 -
0.20% - $2,000 -
Sheboygan Area
Restrictions
0.16% 9 $10,000 -
Enterprise
Restrictions
0.15% - $2,000 -
Sheboygan Area
Restrictions
0.08% 13 $5,000 -
Sheboygan Area
Restrictions
0.07% 9 $5,000 -
Sheboygan Area
Restrictions
0.06% - $1,000 -
All rates listed are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point. The Min listed is the minimum deposit account balance required to obtain the rate listed.


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION


Fixed Rate IRA CDs

Fixed Rate IRA CDs are CDs that are held within an Individual Retirement Account (IRA) or a Roth Retirement Account. In an IRA, the funds are deposited pre-tax and allowed to accumulate tax free. When the individual retires, they are withdrawn and all earnings are taxed at the prevailing tax rate. Because individuals generally have lower incomes upon retirement, the tax rate is lower than what it would have been during their working years.

With a Roth IRA, post-tax funds are deposited into the account and the money is allowed to accumulate and be withdrawn tax free.

If the funds are withdrawn before retirement age 59 1/2, the individual will be required to pay a 10% penalty on top of any taxes owed. There are some exceptions to this rule. Fund can be withdrawn penalty free if they are used to pay for education at an IRA qualifying institution or in the purchase of a house.

Advantages to a FIRA

  • Money grows in a tax-advantaged way.
  • Funds are FDIC insured, just like a regular CD.
  • Interest rates on FIRAs are often higher than the same terms for a CD.
  • Some flexibility in withdrawing the money early for first time homebuyers and education expenses.

Disadvantages to a FIRA

  • Returns may not be as high as stocks, bonds, mutual funds.
  • Funds cannot be withdrawn until 59 1/2 without penalty (except for IRS approved expenses).
  • If interest rates rise during the term of the FIRA, money will be stuck in lower yielding account.

Please click here for more information on fixed rate IRA CDs.

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