Wisconsin

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Wisconsin CD Rates – 3-Year

You are viewing rates from banks across Wisconsin





Below are three-year CD Rates from banks in Wisconsin. Three-years is an intermediate term for CDs and as the term increases the yield will generally go up as well. Three year CDs are a popular component of many CD ladders and usually offer a good tradeoff between yield and how long you must keep the money locked in.

WI - August 4, 2025

3 Year CD National Average : 0.75% ?

Banks APY MIN MILES ?

Early Withdrawal Penalty is 365 days interest.
Rate History: 4.10% → 4.15% → 4.10% → 4.00% → 4.15%

| Dec 18, 2023

I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.25% → 4.00% → 3.75% → 4.00% → 4.15%

| May 6, 2023

Fully functional bank account that would be great for my needs, but the quarterly interest payment thing is a real nuisance. I wish they would change it. It isn't market. Read More

Rate History: 4.15% → 4.00% → 3.90% → 3.75% → 4.00%

| Oct 23, 2023

Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push not... Read More

Rate History: 3.56% → 4.16% → 4.00%

| Mar 21, 2023

Parent seems to be owned by a large Chilean bank. Not saying this is good or bad, but it is complication, especially in the current environment. Read More

Rate History: 4.00% → 4.25% → 4.10% → 3.85% → 4.00%

| Oct 12, 2022

Service has always been satisfactory. They have my complete trust and endorsement. Great bank in my opinion. Read More

Early withdrawal penalty is 180 days interest.

| Jul 4, 2025

Bread's current 6-month CD is 4.45%, not 4.35%. Read More

Early Withdrawal Penalty is 360 days interest.
Rate History: 4.35% → 4.35% → 4.19% → 3.77% → 3.97%

| Jan 30, 2024

Have an IRA rollover, they don't take IRAs any longer. Read More

Early Withdrawal penalty is 6 Months' interest.
Rate History: 4.50% → 4.40% → 4.15% → 4.00% → 3.95%

| Jul 1, 2022

not really an onllne bank. compare this interface that gives you no information with that of any other bank (I cannot even confirm the rate). cannot switch in and out of cds or np cds. just not an online b... Read More

Rate History: 3.00% → 4.45%

| Jul 1, 2022

Very easy opening process and wonderful staff. Read More

Rate History: 3.90% → 3.60% → 3.65% → 4.00% → 3.90%

| Feb 15, 2024

best bank on the list but no longer the most competitive Read More

Warning: Early Withdrawal Penalty is 2% of the account balance.
Rate History: 4.30% → 4.10% → 4.00% → 3.95% → 3.90%

| Jul 3, 2023

A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.35% → 4.00% → 3.60% → 3.91% → 3.80%

| Mar 19, 2022

Problem with ties to puppy mills. I closed a cct. https://www.americanbanker.com/news/tab-bank-dragged-into-seedy-world-of-puppy-mill-loans-by-fintech-partner Read More

Warning: Early Withdrawal Penalty is 2% of principal.

| Dec 22, 2018

I know VirtualBank has monitored these comments in the past and answered here. This is important because they do not respond to questions submitted through the website. I am trying to find out the pena... Read More

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.25% → 4.15% → 4.00% → 3.95% → 3.75%

| Jun 26, 2020

Rate not current Read More

Rate History: 3.65% → 3.85% → 3.75% → 3.65% → 3.75%

| Sep 30, 2023

CFG overs very competitive Interest rates on their High Yield Savings account. I did everything ONLINE and have not had any issues with their service. Read More

Rate History: 3.00% → 3.60%

| Aug 31, 2022

never had a problem moving money in/out. After trying a couple banks with higher rates but less service will be moving my money back here. Read More

Rate History: 5.10% → 0.55% → 2.50% → 4.00% → 3.60%

| Dec 27, 2022

They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More

Early withdrawal penalty is one-fourth the amount of interest that would have been earned had CD been held to maturity.
Rate History: 4.20% → 4.10% → 3.75% → 3.45% → 3.50%

| Mar 20, 2025

A non-customer-friendly organization that just switches between two contaminated brands trying to bring back some sort of goodwill that it had before it started selling fake foreign currency CDs in 2006 an... Read More

Rate History: 4.10% → 4.00% → 3.75% → 3.60% → 3.50%

| Jan 10, 2024

AVOID at all costs. We read the addendum to the final page of the LENGTHY account agreement mailed to us after completing the online portion. Guess what? It gives this sweet seeming Discover Bank access to... Read More

Rate History: 4.00% → 3.60% → 3.50% → 3.40% → 3.50%

| Aug 13, 2023

Been a customer for a couple of years now with interesting checking, been a happy customer. They give you a $10 reimbursement on atm fees per statement cycle. They pay you to leave your money there curre... Read More

Early Withdrawal Penalty is 6 months interest.
Rate History: 4.10% → 4.00% → 3.75% → 3.60% → 3.50%

| Mar 15, 2023

Thank you for the reviews above. I was wondering why I was only getting 0.3% when interest rates have gone up. Why CapitalOne360 is putting loyal and long time customers at a disadvantage is beyond me. ... Read More

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.30% → 4.00% → 3.50%

| Nov 12, 2022

I was shopping for deposit rates in August, and NerdWallet, a site I had previously trusted, had it on their list. I was unaware they took deposits. They are the only bank that ever duplicated a transactio... Read More

Rate History: 2.75% → 2.75% → 3.50%

| Dec 21, 2023

Very easy to setup 6 month 5.35% CD from cornerstone account Read More

Rate History: 4.10% → 4.00% → 3.75% → 3.60% → 3.50%

| Jan 2, 2024

Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More

Rate History: 4.00% → 3.75% → 3.50%

| Jul 6, 2023

This is an example of a bad bank. Their online process for purchasing a CD is horrible. You fill it out and it rejects it after all of your private information is disclosed. They there customer service is ... Read More

Rate History: 4.00% → 4.15% → 4.00% → 3.60% → 3.40%

| Aug 2, 2023

Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More

Rate History: 3.10% → 3.40%

| Oct 11, 2020

You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More

3.36%

$1,000

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| Nov 12, 2023

Finworth looks legit, but their online disclosures and incomplete and you cannot reach them by phone and they don't respond to inquiries. I am moving along and you should too. Read More

Rate History: 3.25% → 3.60% → 3.25%

| Jul 26, 2024

Multiple roadblocks trying to set up a savings account with Ivy Bank and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and c... Read More

Rate History: 3.10% → 2.85% → 3.50% → 3.25%

| Mar 20, 2016

Good solid bank. Read More

| Jan 28, 2025

4.75% is an introductory rate and they are not openly clear about that. Don't expect 4.75% to continue. They are otherwise competitive. Read More

Rate History: 0.15% → 4.50% → 4.35% → 3.50% → 3.00%

| Apr 18, 2018

Worst experience of my life. Did not fund and gave $25 to my own charity. Read More

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.30% → 3.50% → 4.00% → 3.50% → 3.00%

| May 2, 2022

Barclays is the worst. Transfer speeds even worse than Synchrony now. Service is worse than anything. Save yourself the trouble of getting sucked into rates that are sometimes competitive and choose anythi... Read More

Rate History: 2.75% → 2.65% → 2.75% → 3.25% → 3.00%

Early Withdrawal Penalty is 18 months interest.
Rate History: 3.50% → 3.00% → 2.60% → 3.00%

| Nov 18, 2023

bad bank hold your deposit over months without credit in your account, no interest, they don’t want pay you interest , they want your money with 0% interest. Read More

Rate History: 3.02% → 2.78%

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.00% → 3.90% → 3.80% → 3.50% → 2.75%

| Jun 10, 2024

I guess customer service is in the US (not sure). I'd rather that someone in the Philippines answered though. These people are so poorly trained and ill informed that I do not trust them with my personal... Read More

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.35% → 2.70%

| Aug 26, 2022

Too slow to raise rates. Read More

Rate History: 1.00% → 2.75% → 2.65%

| May 26, 2017

Before009 Read More

Early Withdrawal Penalty in 180 days interest.
Rate History: 5.00% → 3.50% → 3.00% → 2.50%

| Jun 13, 2023

I'll steer clear of Dollar Savings Direct and My Savings Direct until they guarantee users at both online divisions their best rates. Banks have the right to segment their customers yes, but these games w... Read More

Early Withdrawal Penalty in 180 days interest.
Rate History: 5.00% → 4.00% → 3.00% → 2.25%

| Apr 25, 2023

with all of these online bank, including the well known ones, delaying transfers forever in order to fund these high rates, this one still executes inbound and outbound transfers immediately. Read More

| Dec 8, 2020

Everyone here in Boston raves about Salem Five but it is shithole operation filled with nasty entitled people. As for this online savings product, the fees are ridiculous, the transfer charges are obnoxiou... Read More

| Feb 25, 2022

I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More

Rate History: 1.98% → 2.00%

| Apr 30, 2019

No issues. I feel confident using them. Read More

Rate History: 3.00% → 2.50% → 2.00%

| Jan 2, 2023

Terrible customer service by investment side. Fees too high , too full of themselves Read More

Rate History: 2.75% → 2.55% → 1.55%

| Nov 28, 2022

While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More

1.36%

$10,000

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Rate History: 0.60% → 1.35%

Rate History: 2.75% → 2.55% → 1.30%

| Feb 24, 2020

I had been with USAA for 20 years. Had my checking, savings, auto and renters insurance and 2 credit cards with them. I work in the service industry and make a good portion of my income in cash tips. For 4... Read More

1.26%

$500

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1.26%

$500

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1.25%

$10,000

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1.25%

$100,000

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1.25%

$100,000

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1.25%

$10,000

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1.25%

$10,000

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1.21%

$10,000

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1.15%

$10,000

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1.15%

$10,000

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1.14%

$500

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1.10%

$10,000

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1.10%

$10,000

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1.10%

$10,000

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1.06%

$10,000

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1.05%

$100,000

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1.05%

$100,000

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1.05%

$10,000

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1.05%

$10,000

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1.02%

$10,000

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1.01%

$10,000

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Rate History: 0.10% → 1.35% → 4.00% → 1.35% → 1.00%

| Jan 29, 2024

Tried to enter information on line to open a 5 year CD, multiple time and wasn't accepted. Talked to a live person who was of no help at all. My credit score is over 800 and I have plenty of money in oth... Read More

1.00%

$500

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1.00%

$10,000

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1.00%

$10,000

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1.00%

$10,000

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1.00%

$10,000

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1.00%

$10,000

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1.00%

$10,000

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1.00%

$10,000

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0.95%

$100,000

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0.95%

$10,000

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0.95%

$50,000

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0.95%

$100,000

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0.95%

$100,000

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0.95%

$10,000

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0.90%

$10,000

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0.90%

$10,000

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0.90%

$10,000

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0.90%

$10,000

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0.90%

$10,000

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0.89%

$10,000

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| Jul 17, 2021

I've been with this bank for 6 months and have not had any problems. Bill pay works good. The 24 month investing CD is another vechile I use. Rates are above average considering the national rate. I'd reco... Read More

0.85%

$10,000

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0.85%

$1,000

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0.85%

$100,000

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0.85%

$10,000

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0.85%

$1,000

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0.85%

$10,000

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0.85%

$500

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0.85%

$10,000

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0.80%

$50,000

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0.80%

$500

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0.80%

$10,000

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0.80%

$10,000

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0.80%

$10,000

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0.80%

$10,000

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0.80%

$10,000

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Rate History: 1.00% → 0.75%

0.75%

$10,000

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0.75%

$10,000

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0.75%

$10,000

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0.75%

$10,000

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0.75%

$10,000

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0.75%

$10,000

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0.75%

$500

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0.75%

$10,000

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0.75%

$10,000

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0.75%

$10,000

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0.75%

$10,000

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0.75%

$10,000

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0.75%

$10,000

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0.75%

$10,000

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0.73%

$100,000

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0.70%

$100,000

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0.70%

$10,000

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0.70%

$10,000

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0.70%

$100,000

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0.70%

$10,000

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0.70%

$10,000

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0.70%

$10,000

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0.65%

$10,000

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| Oct 11, 2020

CVB is the worst for on-line banking. Required to change your password every 6 months or so - can't they implement security at this bank? And you won't get a notice to change your password, you just get lo... Read More

0.65%

$10,000

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0.65%

$10,000

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0.65%

$10,000

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0.65%

$10,000

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0.65%

$500

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0.65%

$10,000

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0.65%

$10,000

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0.65%

$10,000

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0.65%

$100,000

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0.60%

$10,000

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0.60%

$10,000

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0.60%

$10,000

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0.60%

$10,000

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0.60%

$10,000

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0.60%

$100,000

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0.60%

$10,000

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0.60%

$10,000

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0.60%

$10,000

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0.59%

$10,000

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0.58%

$100,000

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0.57%

$10,000

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0.55%

$10,000

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0.55%

$100,000

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| Jan 15, 2024

What is Lake Ridge Bank SWIFT Code? Read More

0.55%

$1,000

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0.55%

$10,000

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0.55%

$100,000

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0.55%

$10,000

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0.53%

$10,000

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0.53%

$10,000

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0.51%

$10,000

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| Mar 18, 2021

I called Huntington yesterday and the branch manager told me that the rate listed on Best Cash Cow doesn't exist......... Read More

0.50%

$1,000

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| Dec 31, 2021

Loan Agent strung me along for 6 months cost me a lot of money, Dishonest told me 3 times under writer approved the loan but in the end he didnt want to do it,guys on a power trip very unprofessional Bewar... Read More

0.50%

$10,000

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| Nov 13, 2019

yes Read More

0.50%

$1,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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| Jan 29, 2022

Discriminatory and unfair practices including closing accounts for reasons they so choose of those who are non-caucasion, lower incomes and older in age but do not follow the same guidelines for white, wea... Read More

0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$100,000

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0.50%

$10,000

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0.50%

$500

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0.45%

$500

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| Nov 13, 2019

yes Read More

0.45%

$10,000

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0.45%

$10,000

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0.45%

$10,000

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| Oct 13, 2021

Good for savers. Easy to transfer funds in and out, not paying high transaction processing $ or being limited to low amounts per day. Does not subject applicants to very much ID interrogation and apparent... Read More

| Feb 23, 2018

Strange bank. Connected to murder and suicide since 2006 Read More

0.45%

$10,000

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0.45%

$10,000

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0.41%

$10,000

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0.40%

$100,000

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| Jun 2, 2022

I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More

0.40%

$2,500

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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| Oct 13, 2021

Good for savers. Easy to transfer funds in and out, not paying high transaction processing $ or being limited to low amounts per day. Does not subject applicants to very much ID interrogation and apparent... Read More

0.40%

$10,000

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0.36%

$10,000

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0.35%

$10,000

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0.34%

$1,000

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| Jul 18, 2021

I have a neighbor whose mortgage is with ONB. I am licensed to practice law but I am not writing this review as a lawyer, but rather as a heads up if your spouse should happen to die while you owe any mone... Read More

0.30%

$10,000

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| Dec 26, 2017

Good people to deal with. Competitive rates better than CEFCU. Easy in/out processing of CD's & MM. Read More

| Jun 10, 2022

This bank hasn't raised their rates! Maybe I was sleeping but I need to get out of here fast. Read More

Rate History: 2.75% → 0.25%

| Aug 13, 2019

I filled out the application 10 days ago answering all questions and sent a file with a copy of my drivers license to Western Bank. I received an email saying that a banker would call me within one busines... Read More

0.25%

$10,000

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| Mar 28, 2022

Vaporware. Was approved to open an account. I logged in on several different browsers with differing rendering codes--each time got nothing but 3 circles running left to right for up to a half hour when I ... Read More

0.20%

$1,000

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0.15%

$50,000

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Rate History: 3.51% → 1.00% → 3.51% → 1.00% → 0.15%

| May 19, 2018

Experience Read More

0.15%

$10,000

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| Jun 12, 2023

US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More

0.10%

$10,000

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| Feb 25, 2023

I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More

Rate History: 0.02% → 0.05%

| Mar 28, 2023

On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More

| May 18, 2019

Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More

| Jul 24, 2023

BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More

0.01%

$10,000

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All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10007


Branch Street City State
Spring Bank
Spring Bank Branch
16620 West Bluemound Road, Suite 100a Brookfield WI
Nicolet National Bank
Nicolet National Bank Branch
900 West College Avenue Appleton WI
Bank Five Nine
Brown Street Branch
W359 N5900 Brown Street Oconomowoc WI
Spring Bank
Spring Bank Branch
16620 West Bluemound Road, Suite 100a Brookfield WI
Nicolet National Bank
Nicolet National Bank Branch
900 West College Avenue Appleton WI
Johnson Bank
Waukesha Branch 86000
N22 W23991 Ridgeview Pkwy Waukesha WI
Bank First, N.A.
Seymour Branch
689 Woodland Plaza Seymour WI
JPMorgan Chase Bank, National Association
Germantown Branch
W156n11251 Pilgrim Road Germantown WI
Hiawatha National Bank
Maiden Rock Branch
W3532 Main Street, Highway 35 Maiden Rock WI
Ladysmith Federal Savings and Loan Association
Ladysmith Federal Savings And Loan A Branch
119 West 4th Street North Ladysmith WI
The Farmers & Merchants Bank
The Farmers & Merchants Bank Branch
123 W Huron Street Berlin WI
Security Bank
Sand Creek Branch
County Road 1 Sand Creek WI
Cumberland Federal Bank, FSB
Cumberland Federal Bank, Fsb Branch
1390 Second Avenue Cumberland WI
Security Financial Bank
Eau Claire Branch
3430 Oakwood Mall Drive Suite 200 Eau Claire WI
Dairy State Bank
Downtown Branch
600 Second Street Menomonie WI
Unity Bank
Neillsville Branch
500 West Street Neillsville WI
Bank of Cashton
Bank Of Cashton Branch
723 Main Street Cashton WI
Nekoosa Port Edwards State Bank
Nekoosa Port Edwards State Bank Branch
405 Market Street Nekoosa WI
Waldo State Bank
Waldo State Bank Branch
119 N Depot St Waldo WI
Dairy State Bank
Downtown Branch
600 Second Street Menomonie WI
Union State Bank
Union Station Branch
Hwy 16 And Cty M West Salem WI
Unity Bank
Neillsville Branch
500 West Street Neillsville WI
Shell Lake State Bank
Shell Lake State Bank Branch
W5340 Ripley Road Sarona WI
Ergo Bank
Farmers State Bank Branch
86 East Water Street Markesan WI
Columbia Savings and Loan Association
Columbia Savings And Loan Associatio Branch
2020 W Fond Du Lac Ave Milwaukee WI
Oakwood Bank
Pigeon Falls State Bank Branch
40214 S Ekern Avenue Pigeon Falls WI
Citizens First Bank
Centerville Branch
W25042 Hwy 54 & 35 Trempealeau WI
Farmers and Merchants Union Bank
Farmers & Merchants Union Bank Branc Branch
637 South Main Street Fall River WI
Great North Bank
Aurora Branch
W627 Co Rd N Niagara WI
Intercity State Bank
Intercity State Bank Branch
962 Grand Avenue Schofield WI
Paper City Savings Bank, S.A.
Paper City Savings Association Branch
4200 8th Street South Wisconsin Rapids WI
Park Bank, National Association
La Crosse Branch
700 State Street La Crosse WI
BMO Bank National Association
Cedarburg Branch
W62 N209 Washington Avenue Cedarburg WI
West Pointe Bank
West Pointe Bank Branch
1750 Witzel Avenue Oshkosh WI
GreenLeaf Bank
Wayside Branch
8233 County Road, W Greenleaf WI
Waumandee State Bank
Waumandee State Bank Branch
S2021 County Road U Waumandee WI
Northwestern Bank
Boyd Branch
803 East Murray Street Boyd WI
Black River Country Bank
Melrose Branch
401 North Washington Melrose WI
Farmers and Merchants Union Bank
Farmers & Merchants Union Bank Branc Branch
637 South Main Street Fall River WI
Headwaters State Bank
Presque Isle Branch
8319 Main Presque Isle WI
Coulee Bank
Onalaska Branch
590 Theatre Road Onalaska WI
Premier Community Bank
927 E Main St Branch
927 E Main St Winneconne WI
Alliance Bank
Bluff Siding Branch
W418 Bluff Siding Road Fountain City WI
Prevail Bank
17th Avenue Branch
900 South 17th Avenue Wausau WI
One Community Bank
Oregon Community Bank & Trust Branch
733 North Main Street Oregon WI
Peoples State Bank of Plainview
Boyceville Branch
715 Highway 79 Boyceville WI
KeySavings Bank
Keysavings Bank Branch
811 East Grand Avenue Wisconsin Rapids WI
The Portage County Bank
Saratoga Branch
9031 Highway 13 South Wisconsin Rapids WI
Peoples State Bank of Plainview
Boyceville Branch
715 Highway 79 Boyceville WI
Laona State Bank
Armstrong Creek Branch
Po Box 38 497 Hwy 8 Armstrong Creek WI
Bank of Lake Mills
Watertown Branch
400 Bernard Street Watertown WI
BLC Community Bank
Blc Community Bank Branch
206 East Main Avenue Little Chute WI
Bank of Luxemburg
Dyckesville Branch
State Route 57 And County Trunk S Dyckesville WI
Cleveland State Bank
Howards Grove Branch
502 South Wisconsin Drive Howards Grove WI
One Community Bank
Oregon Community Bank & Trust Branch
733 North Main Street Oregon WI
Sterling Bank
Chetek Branch
427 Second Street Chetek WI
Oostburg State Bank
Oostburg State Bank Branch
905 Center Avenue Oostburg WI
Prevail Bank
17th Avenue Branch
900 South 17th Avenue Wausau WI
The Greenwood's State Bank
Coates Avenue Facility Branch
401 West Coates Avenue Monticello WI
Pillar Bank
Spring Valley Branch
S320 Mckay Avenue Spring Valley WI
State Bank of Newburg
State Bank Of Newburg Branch
300 Congress Dr Hwy 33 Newburg WI
Citizens State Bank of Loyal
Granton Branch
First And Maple Streets Granton WI
Bay Bank
Bay Bank Branch
2555 Packerland Drive Green Bay WI
Citizens First Bank
Centerville Branch
W25042 Hwy 54 & 35 Trempealeau WI
Peoples State Bank
Minocqua Branch
9560 Highway 70 West Minocqua WI
Ixonia Bank
Ixonia Bank Branch
W 1046 Marietta Ave Ixonia WI
The Port Washington State Bank
Cedarburg Branch
W61 N526 Washington Avenue Cedarburg WI
First National Community Bank
Hudson Branch
744 Ryan Drive Hudson WI
Byline Bank
Brookfield Ridgestone Branch
13925 West North Avenue Brookfield WI
Farmers & Merchants State Bank
Marshall Branch
218 West Main Marshall WI
Sterling Bank
Chetek Branch
427 Second Street Chetek WI
State Bank of Chilton
Milwaukee Branch
7155 North 76th Street Milwaukee WI
Bank of Wisconsin Dells
Bank Of Wisconsin Dells Branch
716 Superior Street Wisconsin Dells WI
Horicon Bank
Green Lake Branch
515 Hill Street Green Lake WI
Baraboo State Bank
Southwest Branch
920 Hwy 12 Baraboo WI
Mayville Savings Bank
Mayville Savings Bank Branch
200 South Main Street Mayville WI
The Peshtigo National Bank
Oconto Falls Office Branch
508 North Chestnut Avenue Oconto Falls WI
Bristol Morgan Bank
Van Dyne Branch
N9512 Van Dyne Road Van Dyne WI
The Benton State Bank
The Benton State Bank Branch
42 West Main Street Benton WI
AbbyBank
Grand Chute Branch
1500 North Casaloma Drive Grand Chute WI
American National Bank - Fox Cities
American National Bank - Fox Cities Branch
2200 North Richmond Street Appleton WI
River Falls State Bank
River Falls State Bank Branch
124 South Second Street River Falls WI
First Citizens State Bank
Palmyra State Bank Branch
111 East Main Street Palmyra WI
Citizens State Bank
Elmwood Branch
601 Main Street Elmwood WI
Citizens Bank
Genesee Depot Branch
W307 S4821 Highway 83 Genesee Depot WI
American Bank of Beaver Dam
The American National Bank Of Beaver Dam Branch
W3308 Highway 18 Helenville WI
State Bank Financial
State Bank Financial Branch
Fifth And State Streets La Crosse WI
Partners Bank of Wisconsin
Stratford Branch
307 Weber Avenue Stratford WI
PyraMax Bank, FSB
Frankilin Office Branch
9000 W Drexel Ave Franklin WI
Bank of Milton
Bank Of Milton Branch
323 Parkview Drive Milton WI
The Farmers State Bank of Waupaca
Fremont Branch
N560 Highway 110 Fremont WI
Woodford State Bank
Blanchardville Branch
319 South Main Street Blanchardville WI
Chippewa Valley Bank
Weyerhaeuser Branch
W14334 Hwy 8 - Po Box 256 Weyerhaeuser WI
Bluff View Bank
Trempealeau Branch
24480 East Third Street Trempealeau WI
Citizens State Bank
Citizens State Bank Branch
304 North Main Street Cadott WI
Bank of Mauston
New Lisbon Branch
800 Germantown Road New Lisbon WI
River Bank
Sparta Branch
900 Maple Avenue Sparta WI
Bank of Deerfield
Shaul Lane Branch
867 Shaul Lane Deerfield WI
Bank of Sun Prairie
Broadway Office Branch
550 Broadway Drive Sun Prairie WI
Clare Bank, National Association
Bloomington Main Branch
475 Canal St Bloomington WI
The Bank of Brodhead
The Bank Of Brodhead Branch
806 East Exchange Brodhead WI
The International Bank of Amherst
The International Bank Of Amherst Branch
103 South Main Street Amherst WI
Merchants Bank, National Association
Alliance Bank Branch
2728 Mall Drive Eau Claire WI
Royal Bank
Viroqua Branch
311 North Main Street Viroqua WI
Citizens Bank
Genesee Depot Branch
W307 S4821 Highway 83 Genesee Depot WI
The Stephenson National Bank and Trust
Amberg Branch
W7912 Amberg Street Amberg WI
The Peoples Community Bank
Richland Center Branch
187 South Central Avenue Richland Center WI
State Bank Financial
State Bank Financial Branch
Fifth And State Streets La Crosse WI
Banner Banks
Hatley Branch
225 Clark St Hatley WI
Partners Bank of Wisconsin
Stratford Branch
307 Weber Avenue Stratford WI
The International Bank of Amherst
The International Bank Of Amherst Branch
103 South Main Street Amherst WI
Citizens State Bank
Elmwood Branch
601 Main Street Elmwood WI
Forward Bank
Withee Branch
410 Division Street Withee WI
DMB Community Bank
South Main Branch
815 S. Main Street De Forest WI
Premier Community Bank
927 E Main St Branch
927 E Main St Winneconne WI
Peoples State Bank
Lancaster Branch
302 South Madison Street Lancaster WI
Lake Ridge Bank
Middleton - West Branch
8309 University Avenue Middleton WI
State Bank of Reeseville
State Bank Of Reeseville Branch
203 South Main Street Reeseville WI
PremierBank
Commercial Bank Branch
200 South Fremont Street Whitewater WI
State Bank of the Lakes, National Association
Kenosha Branch
8700 75th Street Kenosha WI
The Pineries Bank
The Pineries Bank Branch
3601 Main Street Stevens Point WI
Forward Bank
Withee Branch
410 Division Street Withee WI
The Bank of New Glarus
The Bank Of New Glarus Branch
501 First Street New Glarus WI
First State Bank
Drive-In Facility Branch
St Johns Place New London WI
The Huntington National Bank
Menomonee Falls Branch
N56 W 16949 Ridgewood Dr Menomonee Falls WI
Crossbridge Community Bank
Tomahawk Community Bank S.S.b. Branch
15 East Wisconsin Avenue Tomahawk WI
Fox Valley Savings Bank
Fox Valley Savings Bank Branch
51 East First Street Fond Du Lac WI
Citizens State Bank of Loyal
Granton Branch
First And Maple Streets Granton WI
Starion Bank
Wps Madison Branch
5900 Gisholt Dr Madison WI
Badger Bank
Johnson Creek Branch
545 Village Walk Lane Johnson Creek WI
Fortifi Bank
Green Lake Branch
N6230 State Road 49 Green Lake WI
Citizens Community Federal National Association
Mondovi Branch
695 E Main Street Mondovi WI
Collins State Bank
Random Lake Branch
302 East Towne Drive Random Lake WI
The Park Bank
The Park Bank Branch
6701 Raymond Road Madison WI
Farmers Savings Bank
Ridgeway Branch
609 Main Street Ridgeway WI
Highland State Bank
Highland State Bank Branch
541 North Main Street Highland WI
Richland County Bank
Richland County Bank Branch
195 West Court Street Richland Center WI
State Bank of the Lakes, National Association
Kenosha Branch
8700 75th Street Kenosha WI
First State Bank and Trust
First State Bank And Trust Branch
219 2nd Street South Hudson WI
FORTE BANK
Slinger Office Branch
439 East Washington Street Slinger WI
The Bank of Kaukauna
The Bank Of Kaukauna Branch
264 W. Wisconsin Avenue Kaukauna WI
Starion Bank
Wps Madison Branch
5900 Gisholt Dr Madison WI
National Exchange Bank and Trust
Waukesha Branch
W239 N1700 Busse Road Waukesha WI
Peoples State Bank
Lancaster Branch
302 South Madison Street Lancaster WI
Community First Bank
Community First Bank Branch
925 Wisconsin Avenue Boscobel WI
CIBC Bank USA
743 North Water Street Branch
743 North Water Street Milwaukee WI
Wolf River Community Bank
Wolf River Community Bank Branch
309 East Main Street Hortonville WI
First Federal Bank of Wisconsin
1801 Summit Avenue Branch
1801 Summit Avenue Waukesha WI
Farmers & Merchants Bank & Trust
Roosevelt Road Branch
2811 Roosevelt Road Marinette WI
National Bank of Commerce
Solon Springs Branch
9245 East Main Street Solon Springs WI
The First National Bank of River Falls
Uw-River Falls Branch
500 Wild Rose Avenue River Falls WI
Capitol Bank
Old Sauk Road Facility Branch
9401 Old Sauk Road Middleton WI
MidWestOne Bank
Hudson - Branch 41
404 Country Road Uu Hudson WI
Tri City National Bank
County Line Branch
N96 W18211 County Line Menomonee Falls WI
WaterStone Bank, SSB
Germantown Branch
W188 N9820 Appleton Ave Germantown WI
Waukesha State Bank
Sussex Branch
W249 N6688 State Highway 164 Sussex WI
CIBC Bank USA
743 North Water Street Branch
743 North Water Street Milwaukee WI
Westbury Bank
Colgate Branch
N95 W25901 County Line Road Colgate WI
Community First Bank
Highway 10 Branch
5525 Highway 10 East Stevens Point WI
National Bank of Commerce
Solon Springs Branch
9245 East Main Street Solon Springs WI
The First National Bank and Trust Company
Old Walworth State Bank Branch
Kenosha Street And Highway 67 Walworth WI
Old National Bank
Wautoma Branch
W7829 State Road 21-73 Wautoma WI
WOODTRUST BANK
500 1st Street Branch
500 1st Street, Suite 1000 Wausau WI
CIBM Bank
Waukesha Wi Branch
1930 West Bluemond Road, Suite D Waukesha WI
North Shore Bank
Northshorebank.Com Branch - Www.Nort
15700 West Bluemound Rd Brookfield WI
Town Bank, National Association
Wind Lake Branch
7998 South Loomis Road Wind Lake WI
Frandsen Bank & Trust
Luck Branch
200 Main Street South Luck WI
Independence State Bank
Elk Mound Branch
E401 Menomonie Street Elk Mound WI
U.S. Bank National Association
Muskego Branch
S75w17125 Janesville Road Muskego WI
Frandsen Bank & Trust
Luck Branch
200 Main Street South Luck WI
First-Citizens Bank & Trust Company
Gb - Crossroads Branch
N95w 18311 County Line Rd Menomonee Falls WI
PNC Bank, National Association
S74-W17100 Janesville Rd Branch
S74w17100 Janesville Rd Muskego WI
Associated Bank, National Association
Appleton-Darboy Branch
W3122 County Road Kk Appleton WI


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

PRODUCT INFORMATION

Three Year CDs - Branch Banks 2025

A three year CD is an intermediate CD, sandwiched between the popular one and five year CD terms. Three year CD generally offer between .30 and .60 percentage points more than a 1 year CD. Currently, their average yield is comparable to the average yield of an online savings account Online savings accounts allow consumers to withdraw money at any time so consumers should consider whether they want to lock their money into a CD when there is little premium versus an online account.

The top 3 year CD rates, as listed on the rate table above, are significantly higher than online or offline savings account rates.

Another factor to consider when opening a 3 year CD is the rate environment. If interest rates are rising, it may not be advisable to lock money away for three years when rates will soon be higher. If rates are falling, and may do so for some time (as they did from 2008 through 2013), then it may make sense to open a 3, 4 or 5 year CD to lock into a higher rate before it drops. To get a sense of where rates might go, check out the BestCashCow rate analysis page.

While conventional wisdom holds that online banks always offer higher rates than branch-based banks, an analysis conducted by BestCashCow in 2012 showed that with longer term CDs (3 years or longer), small community based banks and credit unions can often be just as competitive or not more so. If you prefer to bank in person, then it is possible to get branch service and a high CD rate if you shop around a bit. The tables at the top of this page can provide you the best rates in your area.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

SAVINGS & CD CALCULATOR

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

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