You are viewing fixed rate ira rates across Wisconsin

Wisconsin Credit Union IRA CD Rates 2020

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 - January 25, 2020

Advertiser Disclosure
Credit UnionS APY Months MIN Miles?
Melrose
Restrictions
2.42% - $5,000 -
2.30% 39 $250,000 -
Community First
Restrictions
2.30% 16 $10,000 -
Pcm
Restrictions
2.25% 25 $10,000 -
2.25% 39 $10,000 -
Dupaco Community
Restrictions
2.20% 45 $100,000 -
2.20% 39 $500 -
Fox Communities
Restrictions
2.20% 15 $5,000 -
Unison
Restrictions
2.20% 15 $5,000 -
Capital
Restrictions
2.20% 12 $5,000 -
Summit
Restrictions
2.20% 42 $500 -
Pcm
Restrictions
2.15% 11 $10,000 -
Post Office
Restrictions
2.15% 26 $500 -
Landmark
Restrictions
2.15% 25 $500 -
Summit
Restrictions
2.15% 19 $500 -
Dupaco Community
Restrictions
2.10% 25 $100,000 -
Landmark
Restrictions
2.10% 19 $500 -
Simplicity
Restrictions
2.02% - $250 -
Connexus
Restrictions
2.01% - $5,000 -
2.00% - $500 -
Landmark
Restrictions
2.00% 13 $500 -
Summit
Restrictions
2.00% 13 $500 -
Dupaco Community
Restrictions
1.95% 45 $5,000 -
Fort Community
Restrictions
1.95% 20 $250 -
1st Community
Restrictions
1.92% - $1,000 -
1.90% 15 $250,000 -
Westby Co-op
Restrictions
1.90% 38 $5,000 -
R.i.a.
Restrictions
1.86% - $500 -
Dupaco Community
Restrictions
1.85% 25 $5,000 -
1.85% 15 $10,000 -
1.83% 40 $1,000 -
Appletree
Restrictions
1.82% - $5,000 -
1.81% - $5,000 -
1.80% 15 $500 -
Kohler
Restrictions
1.80% 11 $10,000 -
Heritage
Restrictions
1.80% 10 $500 -
Self-help
Restrictions
1.77% - $100 -
1.77% - $1,000 -
Firefighters
Restrictions
1.76% - $1,000 -
1.76% - $500 -
Quorum
Restrictions
1.75% - $1,000 -
Post Office
Restrictions
1.75% 14 $500 -
Community First
Restrictions
1.75% - $1,000 -
Covantage
Restrictions
1.75% - $1,000 -
Co-op
Restrictions
1.75% - $1,000 -
Ripco
Restrictions
1.71% - $500 -
Dupaco Community
Restrictions
1.70% 11 $5,000 -
Fox Communities
Restrictions
1.70% - $500 -
Unison
Restrictions
1.70% - $500 -
Capital
Restrictions
1.70% - $1,000 -
1.70% - $1,000 -
1.68% - $1,000 -
Pcm
Restrictions
1.65% - $500 -
Westby Co-op
Restrictions
1.65% - $500 -
Royal
Restrictions
1.61% - $1,000 -
Pcm
Restrictions
1.60% 5 $10,000 -
Tomah Area
Restrictions
1.56% - $1 -
Westconsin
Restrictions
1.56% - $500 -
Altra
Restrictions
1.55% 31 $1,000 -
Shipbuilders
Restrictions
1.53% - $500 -
Shoreline
Restrictions
1.50% 36 $5,000 -
1.50% 9 $100,000 -
Unitedone
Restrictions
1.50% - $1,000 -
Indianhead
Restrictions
1.46% - $1,000 -
Great Lakes
Restrictions
1.45% 13 $1,000 -
Arcadia
Restrictions
1.45% - $2,000 -
Superior Choice
Restrictions
1.45% - $2,500 -
1.45% 9 $2,000 -
Thrivent
Restrictions
1.45% - $1,000 -
Brokaw
Restrictions
1.41% - $500 -
Fond Du Lac
Restrictions
1.41% - $500 -
Unison
Restrictions
1.40% - $500 -
Shoreline
Restrictions
1.38% - $1,000 -
Altra
Restrictions
1.35% - $1,000 -
Kohler
Restrictions
1.35% - $500 -
Hayward Community
Restrictions
1.35% 12 $100,000 -
First Choice
Restrictions
1.31% - $500 -
Bay Shore
Restrictions
1.30% - $500 -
Hayward Community
Restrictions
1.30% 12 $50,000 -
Glacier Hills
Restrictions
1.30% - $500 -
1.26% - $500 -
1.26% - $500 -
Hayward Community
Restrictions
1.25% - $1,000 -
1.16% - $1,000 -
Oakdale
Restrictions
1.10% - $250 -
Southern Lakes
Restrictions
1.01% - $500 -
Great Lakes
Restrictions
1.00% - $1,000 -
Fort Community
Restrictions
1.00% - $250 -
Park City
Restrictions
1.00% - $1,000 -
Advia
Restrictions
0.90% - $500 -
Sentry
Restrictions
0.80% - $500 -
0.80% - $500 -
0.80% - $500 -
Landmark
Restrictions
0.80% - $500 -
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 -
Prime Financial
Restrictions
0.65% - $250 -
0.60% - $1,000 -
Cloverbelt
Restrictions
0.60% - $1,000 -
Dane County
Restrictions
0.55% - $250 -
Empower
Restrictions
0.50% - $100 -
Focus
Restrictions
0.45% - $1,000 -
Premier Financial
Restrictions
0.45% - $500 -
Tri-county
Restrictions
0.35% - $500 -
0.30% - $500 -
Heritage
Restrictions
0.30% - $500 -
Post Office
Restrictions
0.25% - $500 -
Guardian
Restrictions
0.20% - $250 -
0.20% - $2,000 -
Enterprise
Restrictions
0.15% - $2,000 -
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.

SAVINGS & CD CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.

Use or Change these Amounts And Rates