Image Courtesy: pixabay.com
Image Courtesy: pixabay.com
You are viewing rates from banks across Wausau
Below are four-year CD Rates from banks in Wisconsin . Four-Year Certificates of Deposit (CD) are not as popular as the three and five year terms which means the rates often aren’t as competitive. The best four year cd rates are often only marginally above the 3 year rates. Nevertheless, for those who want to lock in a rate for a longer period of time, 4 year cds are worth a look.
Wausau, WI - October 29, 2025
4 Year CD National Average : 0.82% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
|
3.70% |
$10,000 |
- |
Learn More
|
|
|
Early Withdrawal Penalty is 365 days interest. |
||||
|
Neil | 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 |
||||
|
3.40% 2.90% |
$2,500 $2,501 |
0.34 |
Learn More
|
|
|
Rate History: 3.80% → 3.90% → 3.25% → 3.70% → 3.40% |
||||
|
Jim Doe | Oct 12, 2022 Service has always been satisfactory. They have my complete trust and endorsement. Great bank in my opinion. Read More |
||||
|
2.75% |
$500 |
- |
Learn More
|
|
|
2 Months with Vio Bank | Sep 4, 2025 And I discovered that they play bait and switch and have no problems lying. This system won't let me give it zero or negative stars so I have given it one, but that is at least one too many. Read More |
||||
|
2.75% |
$5,000 |
- |
Learn More
|
|
|
james | 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 |
||||
|
1.10% |
$10,000 |
11.54 |
Learn More
|
|
|
1.00% |
$1,000 |
11.67 |
Learn More
|
|
|
Rate History: 0.15% → 1.35% → 4.00% → 1.35% → 1.00% |
||||
|
Beenthere | 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% |
$50,000 |
0.85 |
Learn More
|
|
|
0.95% |
$10,000 |
17.78 |
Learn More
|
|
|
0.90% |
$1,000 |
0.85 |
Learn More
|
|
|
0.90% |
$10,000 |
9.24 |
Learn More
|
|
|
0.75% |
$10,000 |
0.67 |
Learn More
|
|
|
0.50% |
$1,000 |
15.33 |
Learn More
|
|
|
0.50% |
$1,000 |
- |
Learn More
|
|
|
RTN1949 | 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% |
$10,000 |
2.08 |
Learn More
|
|
|
0.20% |
$1,000 |
- |
Learn More
|
|
|
Jeff Talmage | Aug 22, 2025 Echoing the other negative reviews here. Avoid because rate is bait-and-switch, website is awful and service is not acceptable (provided by offshore reps who barely speak English, raise their voice and ad... Read More |
||||
|
0.15% |
$500 |
0.12 |
Learn More
|
|
|
Ugg | 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 |
||||
|
0.05% |
$1,000 |
12.16 |
Learn More
|
|
| Branch | Street | City | State |
|---|---|---|---|
|
Nicolet National Bank Wausau - Stewart Avenue Branch |
2100 Stewart Avenue, Ste 100 | Wausau | WI |
|
Nicolet National Bank Wausau - Stewart Avenue Branch |
2100 Stewart Avenue, Ste 100 | Wausau | WI |
|
Marathon Bank Mosinee Branch |
307 Third Street | Mosinee | WI |
|
BMO Bank National Association Mosinee Branch |
101 Main Street | Mosinee | WI |
|
Prevail Bank 17th Avenue Branch |
900 South 17th Avenue | Wausau | WI |
|
Banner Banks Hatley Branch |
225 Clark St | Hatley | WI |
|
Prevail Bank 17th Avenue Branch |
900 South 17th Avenue | Wausau | WI |
|
Peoples State Bank of Wausau, Wisconsin Marathon Branch |
314 Main Street | Marathon | WI |
|
AbbyBank Wausau Branch |
305 S. 18th Avenue | Wausau | WI |
|
Crossbridge Community Bank Merrill Branch |
907 East Main St | Merrill | WI |
|
WOODTRUST BANK 500 1st Street Branch |
500 1st Street, Suite 1000 | Wausau | WI |
|
U.S. Bank National Association Wausau Stewart Avenue Branch |
2620 Stewart Avenue | Wausau | WI |
|
Associated Bank, National Association Mosinee Piggly Wiggly Branch |
530 West Highway 153 | Mosinee | WI |
BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
Four year CDs are a longer-term CD and offer a fixed rate for 4 years in return for a commitment to keep the money in the bank for this period of time. While savers can withdraw the money (termed "breaking the CD") high penalties make this undesirable. Generally, an individual should not invest in a four year CD unless they are comfortable parting with the money for this period of time.
Four year CDs from FDIC insured banks are insured up to FDIC limits (generally $250,000 per account holder per bank). If your deposit is over the FDIC limit then you may not receive the uninsured money in case of a bank failure. For this who remain within FDIC limits, the principal threat is inflation. The value of longer-term CDs are especially prone to be eaten away by inflation, especially if the CD is opened in a rising rate environment.
Four year CDs currently pay between .40-.60 percentage points more in interest than a one year CD. In general, CDs of this duration are best opened as part of a laddered CD portfolio or if the depositor thinks that rates will either stagnate or drop over the next couple of years. To get a sense of rate trends, please visit our BestCashCow rate analysis page.
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.
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