Best 4-Year CD Rates in Wisconsin, WI

You are viewing rates from banks across Wisconsin

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.

WI - July 30, 2025

4 Year CD National Average : 0.82% ^?

Banks	APY	MIN	MILES ^?
Popular Direct	4.15%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 365 days interest. Rate History: 4.15% → 4.05% → 4.00% → 3.90% → 4.15%
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
Spring Bank Spring Bank Branch	4.10% 3.75%	$100,000 $1,000	-	Learn More Add Review
Merrick Bank	4.05%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.20% → 4.10% → 4.00% → 3.85% → 4.05%
Frank M \| Jul 3, 2023 A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More Reviews (2)
Bread Savings, a division of Bread Financial	4.00%	$1,500	-	Learn More Add Review
Early withdrawal penalty is 365 days interest. Rate History: 3.90% → 3.80% → 3.50% → 3.90% → 4.00%
m abram \| Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More
Prime Alliance Bank	4.00%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.00% → 3.75% → 3.50% → 3.75% → 4.00%
JBaker65 \| 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 Reviews (10)
Nicolet National Bank Nicolet National Bank Branch	4.00% 3.50%	$2,500 $2,501	-	Learn More
Rate History: 4.00% → 4.25% → 4.15% → 3.75% → 4.00%
Jim Doe \| Oct 12, 2022 Service has always been satisfactory. They have my complete trust and endorsement. Great bank in my opinion. Read More Reviews (2)
Bank Five Nine Brown Street Branch	4.00%	$100	-	Learn More Add Review
First Internet Bank of Indiana	3.97%	$1,000	-	Learn More
Early Withdrawal Penalty is 360 days interest. Rate History: 4.00% → 4.03% → 3.62% → 3.60% → 3.97%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
Goldman Sachs Bank	3.75%	$500	-	Learn More Add Review
Rate History: 4.05% → 4.00% → 3.85% → 3.60% → 3.75%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More
M.Y. Safra Bank	3.75%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 3.00% → 4.00%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Transportation Alliance Bank, Inc. d/b/a TAB Bank	3.75%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.05% → 3.85% → 3.40% → 3.86% → 3.75%
Yat 1965 \| 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 Reviews (8)
Seattle Bank	3.70%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.55% → 4.20% → 4.05% → 3.80% → 3.70%
Rob H. \| Nov 21, 2023 A real pain in the *** process to try and get approved! They were unable to match my drivers license photo with my live image after several times trying! Went to limelight bank instead and got approved in ... Read More Reviews (2)
Virtualbank, a division of First Horizon Bank	3.67%	$10,000	-	Learn More Add Review
Warning: Early withdrawal penalty is 2% of principal
Hello VirtualBank? \| 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
American Express Bank, FSB	3.60%	$0	-	Learn More Add Review
Rate History: 3.00% → 3.60%
Chris \| 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
Discover Bank	3.50%	$2,500	-	Learn More Add Review
Rate History: 3.75% → 4.25% → 3.75% → 3.40% → 3.50%
AVOID_ READ_CAREFULLY \| 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
TIAA Bank / Everbank	3.50%	$1,000	-	Learn More Add Review
Rate History: 4.00% → 3.90% → 3.70% → 3.45% → 3.50%
smithy1968 \| 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
Ally Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.75% → 3.50% → 3.40% → 3.50%
Rad \| 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
Synchrony Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.90% → 3.90% → 3.50%
mcriss \| 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
Capital One 360	3.50%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 4.05% → 3.95% → 3.75% → 3.55% → 3.50%
NS123 \| 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
Capital One, National Association	3.50%	$0	-	Learn More
Rate History: 4.05% → 3.95% → 3.75% → 3.55% → 3.50%
highstream \| 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 Reviews (14)
Northern Bank Direct	3.50%	$500	-	Learn More Add Review
Rate History: 4.00% → 3.75% → 3.50%
Mike Brown \| 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
Gateway First Bank	3.40%	$500	-	Learn More
Rate History: 3.00% → 3.40%
JohnC \| 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 Reviews (3)
Barclays Bank Delaware	3.25%	$0	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.45% → 4.20% → 3.50% → 3.00% → 3.25%
LenaL \| 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 Reviews (33)
MainStreet Bank	3.00%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 24 months interest. Rate History: 3.50% → 3.50% → 3.00% → 2.50% → 3.00%
ableBanking, a division of Northeast Bank	3.00%	$500	-	Learn More Add Review
Rate History: 0.20% → 4.40% → 4.05% → 3.00%
Dudley \| Apr 18, 2018 Worst experience of my life. Did not fund and gave $25 to my own charity. Read More
Johnson Bank Waukesha Branch 86000	3.00%	$2,000	-	Learn More Add Review
Rate History: 2.75% → 2.65% → 2.85% → 3.40% → 3.00%
Bank First, N.A. Seymour Branch	2.78%	$1,000	-	Learn More Add Review
Rate History: 3.02% → 2.78%
Vio Bank, A Division of MidFirst Bank	2.75%	$500	-	Learn More Add Review
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
Citizens	2.75%	$5,000	-	Learn More Add Review
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
BMO Alto, a division of Bank of Montreal Harris	2.75%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.00% → 3.90% → 3.80% → 3.50% → 2.75%
Jenny Kingston \| 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
Citizens	2.75%	$5,000	-	Learn More
Rate History: 3.00% → 2.75%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Union Bank and Trust Company	2.27%	$1,000	-	Learn More
rick \| Nov 3, 2023 site does not update at all, totally wrong rates listed Read More Reviews (2)
Hiawatha National Bank Maiden Rock Branch	2.02%	$500	-	Learn More Add Review
Citibank, National Association	2.00%	$0	-	Learn More
Azoic \| 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 Reviews (11)
Northfield Bank	2.00%	$0	-	Learn More Add Review
Rate History: 2.00% → 3.00% → 2.00%
Stella \| Apr 30, 2019 No issues. I feel confident using them. Read More
JPMorgan Chase Bank, National Association Germantown Branch	2.00%	$10,000	-	Learn More
Rate History: 2.00% → 2.50% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
USAA Federal Savings Bank	1.50%	$1,000	-	Learn More
Rate History: 2.50% → 1.50%
RYAN S \| 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 Reviews (2)
OneLocal Bank	1.50%	$1,000	-	Learn More Add Review
Rate History: 1.50% → 1.75% → 1.50%
Unity Bank Neillsville Branch	1.45%	$100,000	-	Learn More Add Review
Oakwood Bank Pigeon Falls State Bank Branch	1.36%	$10,000	-	Learn More Add Review
Unity Bank Neillsville Branch	1.35%	$500	-	Learn More Add Review
The Farmers & Merchants Bank The Farmers & Merchants Bank Branch	1.35%	$500	-	Learn More Add Review
Rate History: 0.60% → 1.35%
Cumberland Federal Bank, FSB Cumberland Federal Bank, Fsb Branch	1.26%	$500	-	Learn More Add Review
Waldo State Bank Waldo State Bank Branch	1.26%	$10,000	-	Learn More Add Review
Union State Bank of West Salem Union Station Branch	1.26%	$10,000	-	Learn More Add Review
USAA Federal Savings Bank	1.25%	$1,000	-	Learn More Add Review
Rate History: 2.50% → 1.25%
Azblondie007 \| 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
State Bank Financial State Bank Financial Branch	1.25%	$100,000	-	Learn More Add Review
Columbia Savings and Loan Association Columbia Savings And Loan Associatio Branch	1.25%	$10,000	-	Learn More Add Review
Great North Bank Aurora Branch	1.20%	$10,000	-	Learn More Add Review
Bank of Lake Mills Watertown Branch	1.20%	$10,000	-	Learn More Add Review
Park Bank La Crosse Branch	1.17%	$10,000	-	Learn More Add Review
Shell Lake State Bank Shell Lake State Bank Branch	1.16%	$10,000	-	Learn More Add Review
Community Bank of Cameron Siren Branch	1.15%	$100,000	-	Learn More Add Review
Citizens First Bank Centerville Branch	1.15%	$100,000	-	Learn More Add Review
Black River Country Bank Melrose Branch	1.15%	$10,000	-	Learn More Add Review
Ergo Bank Farmers State Bank Branch	1.15%	$10,000	-	Learn More Add Review
Headwaters State Bank Presque Isle Branch	1.15%	$10,000	-	Learn More Add Review
GreenLeaf Bank Wayside Branch	1.11%	$10,000	-	Learn More Add Review
Community Bank of Cameron Siren Branch	1.10%	$10,000	-	Learn More Add Review
Waumandee State Bank Waumandee State Bank Branch	1.10%	$10,000	-	Learn More Add Review
Farmers and Merchants Union Bank Farmers & Merchants Union Bank Branc Branch	1.10%	$100,000	-	Learn More Add Review
Intercity State Bank Intercity State Bank Branch	1.10%	$10,000	-	Learn More Add Review
Marathon Bank Marathon Savings Bank Branch	1.10%	$10,000	-	Learn More Add Review
Alliance Bank Bluff Siding Branch	1.06%	$10,000	-	Learn More Add Review
Farmers and Merchants Union Bank Farmers & Merchants Union Bank Branc Branch	1.05%	$10,000	-	Learn More Add Review
Byline Bank Brookfield Ridgestone Branch	1.00%	$5,000	-	Learn More Add Review
Rate History: 1.25% → 1.00%
BMO Bank National Association Cedarburg Branch	1.00%	$1,000	-	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 Reviews (9)
West Pointe Bank West Pointe Bank Branch	1.00%	$1,000	-	Learn More Add Review
Citizens State Bank of Loyal Granton Branch	1.00%	$50,000	-	Learn More Add Review
Hingham Institution for Savings	1.00%	$1,000	-	Learn More Add Review
Hingham Savings	1.00%	$1,000	-	Learn More Add Review
Premier Community Bank 927 E Main St Branch	1.00%	$100,000	-	Learn More Add Review
Prevail Bank 17th Avenue Branch	1.00%	$50,000	-	Learn More Add Review
Bank of Wisconsin Dells Bank Of Wisconsin Dells Branch	1.00%	$10,000	-	Learn More Add Review
Oregon Community Bank Oregon Community Bank & Trust Branch	1.00%	$100,000	-	Learn More Add Review
Peoples State Bank of Plainview Boyceville Branch	1.00%	$100,000	-	Learn More Add Review
Laona State Bank Armstrong Creek Branch	1.00%	$10,000	-	Learn More Add Review
The Benton State Bank The Benton State Bank Branch	1.00%	$10,000	-	Learn More Add Review
Ixonia Bank Ixonia Bank Branch	1.00%	$10,000	-	Learn More Add Review
BLC Community Bank Blc Community Bank Branch	1.00%	$10,000	-	Learn More Add Review
The First Bank of Baldwin Spring Valley Branch	1.00%	$500	-	Learn More Add Review
Bank of Luxemburg Dyckesville Branch	0.99%	$10,000	-	Learn More Add Review
Cleveland State Bank Howards Grove Branch	0.95%	$10,000	-	Learn More Add Review
Peoples State Bank of Plainview Boyceville Branch	0.95%	$10,000	-	Learn More Add Review
State Bank Financial State Bank Financial Branch	0.95%	$10,000	-	Learn More Add Review
Banner Banks Hatley Branch	0.95%	$10,000	-	Learn More Add Review
Oregon Community Bank Oregon Community Bank & Trust Branch	0.90%	$10,000	-	Learn More Add Review
Prevail Bank 17th Avenue Branch	0.90%	$1,000	-	Learn More Add Review
The Greenwood's State Bank Coates Avenue Facility Branch	0.90%	$10,000	-	Learn More Add Review
Peoples State Bank Minocqua Branch	0.90%	$10,000	-	Learn More Add Review
PyraMax Bank, FSB Frankilin Office Branch	0.90%	$10,000	-	Learn More Add Review
The Port Washington State Bank Cedarburg Branch	0.90%	$10,000	-	Learn More Add Review
First National Community Bank Hudson Branch	0.90%	$10,000	-	Learn More Add Review
First Citizens State Bank Palmyra State Bank Branch	0.90%	$10,000	-	Learn More Add Review
KeySavings Bank Keysavings Bank Branch	0.90%	$10,000	-	Learn More Add Review
Bay Bank Bay Bank Branch	0.85%	$500	-	Learn More Add Review
Citizens First Bank Centerville Branch	0.85%	$10,000	-	Learn More Add Review
State Bank of Chilton Milwaukee Branch	0.85%	$10,000	-	Learn More Add Review
Horicon Bank Green Lake Branch	0.85%	$10,000	-	Learn More Add Review
Bank of Sun Prairie Broadway Office Branch	0.85%	$10,000	-	Learn More Add Review
Mayville Savings Bank Mayville Savings Bank Branch	0.85%	$500	-	Learn More Add Review
The Peshtigo National Bank Oconto Falls Office Branch	0.85%	$10,000	-	Learn More Add Review
Bristol Morgan Bank Van Dyne Branch	0.85%	$10,000	-	Learn More Add Review
River Falls State Bank River Falls State Bank Branch	0.85%	$10,000	-	Learn More Add Review
The Bank of Kaukauna The Bank Of Kaukauna Branch	0.80%	$500	-	Learn More Add Review
Royal Bank Viroqua Branch	0.80%	$10,000	-	Learn More Add Review
Citizens Bank Genesee Depot Branch	0.80%	$100,000	-	Learn More Add Review
Bank of Mauston New Lisbon Branch	0.80%	$10,000	-	Learn More Add Review
American Bank of Beaver Dam The American National Bank Of Beaver Dam Branch	0.80%	$10,000	-	Learn More Add Review
Highland State Bank Highland State Bank Branch	0.80%	$10,000	-	Learn More Add Review
Partners Bank of Wisconsin Stratford Branch	0.80%	$100,000	-	Learn More Add Review
American National Bank - Fox Cities American National Bank - Fox Cities Branch	0.80%	$10,000	-	Learn More Add Review
Bank of Milton Bank Of Milton Branch	0.80%	$10,000	-	Learn More Add Review
The Equitable Bank, S.S.B. Delafield Branch	0.75%	$500	-	Learn More Add Review
Bluff View Bank Trempealeau Branch	0.75%	$10,000	-	Learn More Add Review
River Bank Sparta Branch	0.75%	$10,000	-	Learn More Add Review
DMB Community Bank South Main Branch	0.75%	$10,000	-	Learn More Add Review
Bank of Deerfield Shaul Lane Branch	0.75%	$500	-	Learn More Add Review
Union Federal Savings and Loan Association West Washington Avenue Branch	0.75%	$10,000	-	Learn More Add Review
Clare Bank, National Association Bloomington Main Branch	0.75%	$10,000	-	Learn More Add Review
The Bank of Brodhead The Bank Of Brodhead Branch	0.75%	$10,000	-	Learn More Add Review
AbbyBank Grand Chute Branch	0.75%	$10,000	-	Learn More Add Review
East Wisconsin Savings Bank Wisconsin Avenue Branch	0.75%	$10,000	-	Learn More Add Review
The International Bank of Amherst The International Bank Of Amherst Branch	0.75%	$100,000	-	Learn More Add Review
The Farmers State Bank of Waupaca Fremont Branch	0.75%	$10,000	-	Learn More Add Review
The Bank of New Glarus The Bank Of New Glarus Branch	0.73%	$10,000	-	Learn More Add Review
Woodford State Bank Blanchardville Branch	0.70%	$10,000	-	Learn More Add Review
Citizens State Bank of Loyal Granton Branch	0.70%	$10,000	-	Learn More Add Review
Citizens Bank Genesee Depot Branch	0.70%	$10,000	-	Learn More Add Review
Citizens State Bank Citizens State Bank Branch	0.70%	$10,000	-	Learn More Add Review
The Stephenson National Bank and Trust Amberg Branch	0.70%	$10,000	-	Learn More Add Review
Partners Bank of Wisconsin Stratford Branch	0.70%	$10,000	-	Learn More Add Review
The International Bank of Amherst The International Bank Of Amherst Branch	0.70%	$10,000	-	Learn More Add Review
Starion Bank Wps Madison Branch	0.65%	$25,000	-	Learn More
rich_hovland@bismarckschools.org \| Nov 13, 2019 yes Read More Reviews (2)
State Bank of Cross Plains Middleton - West Branch	0.65%	$10,000	-	Learn More
Otto Alber \| Jan 15, 2024 What is Lake Ridge Bank SWIFT Code? Read More Reviews (1)
The Park Bank The Park Bank Branch	0.65%	$10,000	-	Learn More
nosnah-nej-erif \| 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 Reviews (1)
State Bank of Reeseville State Bank Of Reeseville Branch	0.65%	$1,000	-	Learn More Add Review
The Peoples Community Bank Richland Center Branch	0.65%	$10,000	-	Learn More Add Review
The Pineries Bank The Pineries Bank Branch	0.65%	$10,000	-	Learn More Add Review
Forward Bank Withee Branch	0.63%	$100,000	-	Learn More Add Review
First State Bank Drive-In Facility Branch	0.61%	$10,000	-	Learn More Add Review
Merchants Bank, National Association Alliance Bank Branch	0.60%	$10,000	-	Learn More Add Review
Starion Bank Wps Madison Branch	0.60%	$2,500	-	Learn More
rich_hovland@bismarckschools.org \| Nov 13, 2019 yes Read More Reviews (2)
Premier Community Bank 927 E Main St Branch	0.60%	$10,000	-	Learn More Add Review
Farmers Savings Bank Ridgeway Branch	0.60%	$10,000	-	Learn More Add Review
PremierBank Commercial Bank Branch	0.60%	$10,000	-	Learn More Add Review
First Resource Bank	0.60%	$100,000	-	Learn More Add Review
First State Bank and Trust First State Bank And Trust Branch	0.60%	$10,000	-	Learn More Add Review
FORTE BANK Slinger Office Branch	0.60%	$500	-	Learn More Add Review
Forward Bank Withee Branch	0.58%	$10,000	-	Learn More Add Review
National Bank of Commerce Solon Springs Branch	0.55%	$100,000	-	Learn More Add Review
Citizens Community Federal National Association Mondovi Branch	0.55%	$10,000	-	Learn More Add Review
Collins State Bank Random Lake Branch	0.55%	$10,000	-	Learn More Add Review
Peoples State Bank Lancaster Branch	0.55%	$100,000	-	Learn More Add Review
Capitol Bank Old Sauk Road Facility Branch	0.55%	$10,000	-	Learn More Add Review
Community First Bank Community First Bank Branch	0.55%	$10,000	-	Learn More Add Review
State Bank of the Lakes, National Association Kenosha Branch	0.55%	$100,000	-	Learn More Add Review
Community First Bank Highway 10 Branch	0.51%	$10,000	-	Learn More Add Review
Farmers & Merchants Bank & Trust Roosevelt Road Branch	0.51%	$10,000	-	Learn More Add Review
Tomahawk Community Bank S.S.B. Tomahawk Community Bank S.S.b. Branch	0.50%	$1,000	-	Learn More Add Review
CIT Bank, a division of First-Citizens Bank and Trust	0.50%	$1,000	-	Learn More Add Review
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
Superior Savings Bank Superior Savings Bank Branch	0.50%	$500	-	Learn More Add Review
The First National Bank of River Falls Uw-River Falls Branch	0.50%	$2,500	-	Learn More Add Review
National Bank of Commerce Solon Springs Branch	0.50%	$10,000	-	Learn More Add Review
Fox Valley Savings Bank Fox Valley Savings Bank Branch	0.50%	$500	-	Learn More
LLoomiscr@gmail.com \| 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 Reviews (1)
The Huntington National Bank Menomonee Falls Branch	0.50%	$1,000	-	Learn More
Allan \| 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 Reviews (1)
Fortifi Bank Green Lake Branch	0.50%	$10,000	-	Learn More Add Review
National Exchange Bank and Trust Waukesha Branch	0.50%	$10,000	-	Learn More Add Review
Security State Bank Security State Bank Branch	0.50%	$10,000	-	Learn More Add Review
MidWestOne Bank Hudson - Branch 41	0.50%	$10,000	-	Learn More Add Review
State Bank of the Lakes, National Association Kenosha Branch	0.50%	$10,000	-	Learn More Add Review
WaterStone Bank, SSB Germantown Branch	0.50%	$10,000	-	Learn More Add Review
CIBC Bank USA 743 North Water Street Branch	0.50%	$100,000	-	Learn More
me \| 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 Reviews (6)
Wolf River Community Bank Wolf River Community Bank Branch	0.50%	$10,000	-	Learn More
Depositor \| Feb 23, 2018 Strange bank. Connected to murder and suicide since 2006 Read More Reviews (1)
First Resource Bank	0.50%	$10,000	-	Learn More Add Review
First Federal Bank of Wisconsin 1801 Summit Avenue Branch	0.50%	$10,000	-	Learn More Add Review
Westbury Bank Colgate Branch	0.50%	$10,000	-	Learn More Add Review
Peoples State Bank Lancaster Branch	0.45%	$10,000	-	Learn More Add Review
Tri City National Bank County Line Branch	0.45%	$10,000	-	Learn More Add Review
CIBC Bank USA 743 North Water Street Branch	0.45%	$10,000	-	Learn More
me \| 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 Reviews (6)
The First National Bank and Trust Company Old Walworth State Bank Branch	0.40%	$1,000	-	Learn More Add Review
WOODTRUST BANK 500 1st Street Branch	0.40%	$10,000	-	Learn More Add Review
Waukesha State Bank Sussex Branch	0.40%	$10,000	-	Learn More Add Review
Old National Bank Wautoma Branch	0.35%	$10,000	-	Learn More
jefflockwoodlaw2288@gmail.com \| 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 Reviews (2)
CIBM Bank Waukesha Wi Branch	0.35%	$10,000	-	Learn More
theee \| Dec 26, 2017 Good people to deal with. Competitive rates better than CEFCU. Easy in/out processing of CD's & MM. Read More Reviews (1)
Town Bank, National Association Wind Lake Branch	0.30%	$1,000	-	Learn More Add Review
North Shore Bank, FSB Northshorebank.Com Branch - Www.Nort	0.30%	$10,000	-	Learn More Add Review
Purepoint MUFG Union	0.25%	$10,000	-	Learn More Add Review
UtahJazz1 \| 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
Axos Bank, a division of Bofi Federal Bank	0.20%	$1,000	-	Learn More Add Review
wertlkgt \| 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
OneWest Bank, a division of First-Citizens Bank and Trust	0.15%	$500	-	Learn More Add Review
First-Citizens Bank & Trust Company Gb - Crossroads Branch	0.15%	$500	-	Learn More
MrBond \| 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 Reviews (3)
U.S. Bank National Association Muskego Branch	0.15%	$500	-	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 Reviews (2)
KeyBank National Association	0.05%	$2,500	-	Learn More
Rate History: 0.03% → 0.05%
Seeko \| 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 Reviews (2)
PNC Bank, National Association S74-W17100 Janesville Rd Branch	0.03%	$25,000	-	Learn More
GAM \| 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 Reviews (1)
Bank of America, National Association	0.03%	$100,000	-	Learn More
Treasure \| 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 Reviews (7)
Associated Bank, National Association Appleton-Darboy Branch	0.01%	$10,000	-	Learn More Add Review

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
Hiawatha National Bank Maiden Rock Branch	W3532 Main Street, Highway 35	Maiden Rock	WI
JPMorgan Chase Bank, National Association Germantown Branch	W156n11251 Pilgrim Road	Germantown	WI
Unity Bank Neillsville Branch	500 West Street	Neillsville	WI
Oakwood Bank Pigeon Falls State Bank Branch	40214 S Ekern Avenue	Pigeon Falls	WI
Unity Bank Neillsville Branch	500 West Street	Neillsville	WI
The Farmers & Merchants Bank The Farmers & Merchants Bank Branch	123 W Huron Street	Berlin	WI
Cumberland Federal Bank, FSB Cumberland Federal Bank, Fsb Branch	1390 Second Avenue	Cumberland	WI
Waldo State Bank Waldo State Bank Branch	119 N Depot St	Waldo	WI
Union State Bank Union Station Branch	Hwy 16 And Cty M	West Salem	WI
State Bank Financial State Bank Financial Branch	Fifth And State Streets	La Crosse	WI
Columbia Savings and Loan Association Columbia Savings And Loan Associatio Branch	2020 W Fond Du Lac Ave	Milwaukee	WI
Great North Bank Aurora Branch	W627 Co Rd N	Niagara	WI
Bank of Lake Mills Watertown Branch	400 Bernard Street	Watertown	WI
Park Bank, National Association La Crosse Branch	700 State Street	La Crosse	WI
Shell Lake State Bank Shell Lake State Bank Branch	W5340 Ripley Road	Sarona	WI
Community Bank of Cameron Siren Branch	24006 State Road 35	Siren	WI
Citizens First Bank Centerville Branch	W25042 Hwy 54 & 35	Trempealeau	WI
Black River Country Bank Melrose Branch	401 North Washington	Melrose	WI
Ergo Bank Farmers State Bank Branch	86 East Water Street	Markesan	WI
Headwaters State Bank Presque Isle Branch	8319 Main	Presque Isle	WI
GreenLeaf Bank Wayside Branch	8233 County Road, W	Greenleaf	WI
Community Bank of Cameron Siren Branch	24006 State Road 35	Siren	WI
Waumandee State Bank Waumandee State Bank Branch	S2021 County Road U	Waumandee	WI
Farmers and Merchants Union Bank Farmers & Merchants Union Bank Branc Branch	637 South Main Street	Fall River	WI
Intercity State Bank Intercity State Bank Branch	962 Grand Avenue	Schofield	WI
Marathon Bank Marathon Savings Bank Branch	500 Scott Street	Wausau	WI
Alliance Bank Bluff Siding Branch	W418 Bluff Siding Road	Fountain City	WI
Farmers and Merchants Union Bank Farmers & Merchants Union Bank Branc Branch	637 South Main Street	Fall River	WI
Byline Bank Brookfield Ridgestone Branch	13925 West North Avenue	Brookfield	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
Citizens State Bank of Loyal Granton Branch	First And Maple Streets	Granton	WI
Premier Community Bank 927 E Main St Branch	927 E Main St	Winneconne	WI
Prevail Bank 17th Avenue Branch	900 South 17th Avenue	Wausau	WI
Bank of Wisconsin Dells Bank Of Wisconsin Dells Branch	716 Superior Street	Wisconsin Dells	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
Laona State Bank Armstrong Creek Branch	Po Box 38 497 Hwy 8	Armstrong Creek	WI
The Benton State Bank The Benton State Bank Branch	42 West Main Street	Benton	WI
Ixonia Bank Ixonia Bank Branch	W 1046 Marietta Ave	Ixonia	WI
BLC Community Bank Blc Community Bank Branch	206 East Main Avenue	Little Chute	WI
Pillar Bank Spring Valley Branch	S320 Mckay Avenue	Spring Valley	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
Peoples State Bank of Plainview Boyceville Branch	715 Highway 79	Boyceville	WI
State Bank Financial State Bank Financial Branch	Fifth And State Streets	La Crosse	WI
Banner Banks Hatley Branch	225 Clark St	Hatley	WI
One Community Bank Oregon Community Bank & Trust Branch	733 North Main Street	Oregon	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
Peoples State Bank Minocqua Branch	9560 Highway 70 West	Minocqua	WI
PyraMax Bank, FSB Frankilin Office Branch	9000 W Drexel Ave	Franklin	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
First Citizens State Bank Palmyra State Bank Branch	111 East Main Street	Palmyra	WI
KeySavings Bank Keysavings Bank Branch	811 East Grand Avenue	Wisconsin Rapids	WI
Bay Bank Bay Bank Branch	2555 Packerland Drive	Green Bay	WI
Citizens First Bank Centerville Branch	W25042 Hwy 54 & 35	Trempealeau	WI
State Bank of Chilton Milwaukee Branch	7155 North 76th Street	Milwaukee	WI
Horicon Bank Green Lake Branch	515 Hill Street	Green Lake	WI
Bank of Sun Prairie Broadway Office Branch	550 Broadway Drive	Sun Prairie	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
River Falls State Bank River Falls State Bank Branch	124 South Second Street	River Falls	WI
The Bank of Kaukauna The Bank Of Kaukauna Branch	264 W. Wisconsin Avenue	Kaukauna	WI
Royal Bank Viroqua Branch	311 North Main Street	Viroqua	WI
Citizens Bank Genesee Depot Branch	W307 S4821 Highway 83	Genesee Depot	WI
Bank of Mauston New Lisbon Branch	800 Germantown Road	New Lisbon	WI
American Bank of Beaver Dam The American National Bank Of Beaver Dam Branch	W3308 Highway 18	Helenville	WI
Highland State Bank Highland State Bank Branch	541 North Main Street	Highland	WI
Partners Bank of Wisconsin Stratford Branch	307 Weber Avenue	Stratford	WI
American National Bank - Fox Cities American National Bank - Fox Cities Branch	2200 North Richmond Street	Appleton	WI
Bank of Milton Bank Of Milton Branch	323 Parkview Drive	Milton	WI
The Equitable Bank, S.S.B. Delafield Branch	N15 W30921 Golf Road	Delafield	WI
Bluff View Bank Trempealeau Branch	24480 East Third Street	Trempealeau	WI
River Bank Sparta Branch	900 Maple Avenue	Sparta	WI
DMB Community Bank South Main Branch	815 S. Main Street	De Forest	WI
Bank of Deerfield Shaul Lane Branch	867 Shaul Lane	Deerfield	WI
Union Federal Savings and Loan Association West Washington Avenue Branch	115 West Washington Ave.	Madison	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
AbbyBank Grand Chute Branch	1500 North Casaloma Drive	Grand Chute	WI
East Wisconsin Savings Bank Wisconsin Avenue Branch	W6318 Wisconsin Avenue, Suite #4	Greenville	WI
The International Bank of Amherst The International Bank Of Amherst Branch	103 South Main Street	Amherst	WI
The Farmers State Bank of Waupaca Fremont Branch	N560 Highway 110	Fremont	WI
The Bank of New Glarus The Bank Of New Glarus Branch	501 First Street	New Glarus	WI
Woodford State Bank Blanchardville Branch	319 South Main Street	Blanchardville	WI
Citizens State Bank of Loyal Granton Branch	First And Maple Streets	Granton	WI
Citizens Bank Genesee Depot Branch	W307 S4821 Highway 83	Genesee Depot	WI
Citizens State Bank Citizens State Bank Branch	304 North Main Street	Cadott	WI
The Stephenson National Bank and Trust Amberg Branch	W7912 Amberg Street	Amberg	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
Starion Bank Wps Madison Branch	5900 Gisholt Dr	Madison	WI
Lake Ridge Bank Middleton - West Branch	8309 University Avenue	Middleton	WI
The Park Bank The Park Bank Branch	6701 Raymond Road	Madison	WI
State Bank of Reeseville State Bank Of Reeseville Branch	203 South Main Street	Reeseville	WI
The Peoples Community Bank Richland Center Branch	187 South Central Avenue	Richland Center	WI
The Pineries Bank The Pineries Bank Branch	3601 Main Street	Stevens Point	WI
Forward Bank Withee Branch	410 Division Street	Withee	WI
First State Bank Drive-In Facility Branch	St Johns Place	New London	WI
Merchants Bank, National Association Alliance Bank Branch	2728 Mall Drive	Eau Claire	WI
Starion Bank Wps Madison Branch	5900 Gisholt Dr	Madison	WI
Premier Community Bank 927 E Main St Branch	927 E Main St	Winneconne	WI
Farmers Savings Bank Ridgeway Branch	609 Main Street	Ridgeway	WI
PremierBank Commercial Bank Branch	200 South Fremont Street	Whitewater	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
Forward Bank Withee Branch	410 Division Street	Withee	WI
National Bank of Commerce Solon Springs Branch	9245 East Main Street	Solon Springs	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
Peoples State Bank Lancaster Branch	302 South Madison Street	Lancaster	WI
Capitol Bank Old Sauk Road Facility Branch	9401 Old Sauk Road	Middleton	WI
Community First Bank Community First Bank Branch	925 Wisconsin Avenue	Boscobel	WI
State Bank of the Lakes, National Association Kenosha Branch	8700 75th Street	Kenosha	WI
Community First Bank Highway 10 Branch	5525 Highway 10 East	Stevens Point	WI
Farmers & Merchants Bank & Trust Roosevelt Road Branch	2811 Roosevelt Road	Marinette	WI
Crossbridge Community Bank Tomahawk Community Bank S.S.b. Branch	15 East Wisconsin Avenue	Tomahawk	WI
Superior Savings Bank Superior Savings Bank Branch	1130 Tower Avenue	Superior	WI
The First National Bank of River Falls Uw-River Falls Branch	500 Wild Rose Avenue	River Falls	WI
National Bank of Commerce Solon Springs Branch	9245 East Main Street	Solon Springs	WI
Fox Valley Savings Bank Fox Valley Savings Bank Branch	51 East First Street	Fond Du Lac	WI
The Huntington National Bank Menomonee Falls Branch	N56 W 16949 Ridgewood Dr	Menomonee Falls	WI
Fortifi Bank Green Lake Branch	N6230 State Road 49	Green Lake	WI
National Exchange Bank and Trust Waukesha Branch	W239 N1700 Busse Road	Waukesha	WI
Security State Bank Security State Bank Branch	U S Hwy #2 7865	Iron River	WI
MidWestOne Bank Hudson - Branch 41	404 Country Road Uu	Hudson	WI
State Bank of the Lakes, National Association Kenosha Branch	8700 75th Street	Kenosha	WI
WaterStone Bank, SSB Germantown Branch	W188 N9820 Appleton Ave	Germantown	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
Westbury Bank Colgate Branch	N95 W25901 County Line Road	Colgate	WI
Peoples State Bank Lancaster Branch	302 South Madison Street	Lancaster	WI
Tri City National Bank County Line Branch	N96 W18211 County Line	Menomonee Falls	WI
CIBC Bank USA 743 North Water Street Branch	743 North Water Street	Milwaukee	WI
The First National Bank and Trust Company Old Walworth State Bank Branch	Kenosha Street And Highway 67	Walworth	WI
WOODTRUST BANK 500 1st Street Branch	500 1st Street, Suite 1000	Wausau	WI
Waukesha State Bank Sussex Branch	W249 N6688 State Highway 164	Sussex	WI
Old National Bank Wautoma Branch	W7829 State Road 21-73	Wautoma	WI
CIBM Bank Waukesha Wi Branch	1930 West Bluemond Road, Suite D	Waukesha	WI
Town Bank, National Association Wind Lake Branch	7998 South Loomis Road	Wind Lake	WI
North Shore Bank Northshorebank.Com Branch - Www.Nort	15700 West Bluemound Rd	Brookfield	WI
First-Citizens Bank & Trust Company Gb - Crossroads Branch	N95w 18311 County Line Rd	Menomonee Falls	WI
U.S. Bank National Association Muskego Branch	S75w17125 Janesville Road	Muskego	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

See rates for Online Banks →

See rates for Credit Unions →

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

PRODUCT INFORMATION

Four Year CDs - Branch Banks 2025

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.

Safety

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.

Interest

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.

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

4 year CDs provide a fixed rate for the term of the CD
The rate is higher than a savings account or a 1 year CD to compensate for the longer term.
Branch-opened CDs can be done quickly in one day.

Disadvantages of four year CDs

The saver's money is locked away for four years unless they want to break the CD and pay a penalty.
In a rising rate environment, inflation will reduce the value of the money in the CD over time.
Branch CDs require the saver to visit a branch and be subjected to cross-sell pitches and other marketing tactics.

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.

Use or Change these Amounts And Rates

Cash Savings

Product:

Average Rate:

Best Rate:

Years at Rate:

Tax Rate:

CD Products by State

CD Products by City in Wisconsin

CD Resources

Download a Free eBook

Bank On It:
The No Risk Way To Boost Your Savings

Download

BestCashCow
Guide To Credit Card Travel Rewards

Download

65 Questions to Ask before Choosing a CD

Download

The Insider's Guide
to
Mortgages

Download

Plan and Optimize Your Finances

Wisconsin CD Rates – 4-Year

Branches Info around zip 10007

PRODUCT INFORMATION

Four Year CDs - Branch Banks 2025

Safety

Interest

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

Disadvantages of four year CDs

SAVINGS & CD CALCULATOR

CD Products by State

CD Products by City in Wisconsin

Download a Free eBook