Best 5-Year CD Rates in Monona, Wisconsin, WI

You are viewing rates from banks across Monona

Below are 5-year CD Rates from banks that are located in Monona, { Wisconsin}. Five Year Certificates of Deposit (CD) are generally the longest term CD that most banks will offer. They tend to offer the highest rates but require the longest commitment. Five year CDs are especially popular in a declining interest rate environment as depositors can lock money in at the highest rate possible for the longest period of time. They are also popular with depositors who are willing to lock up money for five years in return for extra yield.

Monona, WI - July 21, 2025

5 Year CD National Average : 0.92% ^?

Banks	APY	MIN	MILES ^?
Popular Direct	4.20%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 730 days interest. Rate History: 4.10% → 4.20% → 4.15% → 4.05% → 4.20%
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
Nicolet National Bank Kewaunee - Main Street Branch	4.15% 3.65%	$2,500 $2,501	-	Learn More
Rate History: 4.25% → 4.20% → 3.75% → 4.00% → 4.15%
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)
Merrick Bank	4.05%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.20% → 4.15% → 4.10% → 3.95% → 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)
Spring Bank Spring Bank Branch	4.05% 3.70%	$100,000 $1,000	-	Learn More Add Review
TotalDirect, a division of City National Bank of Florida	4.00%	$25,000	-	Learn More Add Review
Rate History: 3.05% → 3.50% → 4.11% → 4.00%
79Thru \| 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
Bank Five Nine First Bank Financial Centre Branch	4.00%	$100	-	Learn More Add Review
Sallie Mae Bank	3.80%	$2,500	-	Learn More
Rate History: 4.00% → 3.85% → 3.75% → 3.80%
HAL1975 \| 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 Reviews (40)
IncredibleBank River Valley Bank Branch	3.03%	$1,000	-	Learn More Add Review
Rate History: 0.75% → 3.03%
Johnson Bank Holiday Drive Branch 63000	3.00%	$2,000	-	Learn More Add Review
Rate History: 2.50% → 2.45% → 2.95% → 3.50% → 3.00%
Bank First, N.A. Bank First National 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
Hiawatha National Bank Glenwood City Branch	2.02%	$500	-	Learn More Add Review
JPMorgan Chase Bank, National Association Edgerton 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)
Unity Bank Neillsville Branch	1.70%	$100,000	-	Learn More Add Review
Unity Bank Neillsville Branch	1.55%	$500	-	Learn More Add Review
Oakwood Bank Pigeon Falls State Bank Branch	1.51%	$10,000	-	Learn More Add Review
Ladysmith Federal Savings and Loan Association Ladysmith Federal Savings And Loan A Branch	1.51%	$10,000	-	Learn More Add Review
Nekoosa Port Edwards State Bank Nekoosa Port Edwards State Bank Branch	1.51%	$10,000	-	Learn More Add Review
Security Financial Bank Bloomer Branch	1.50%	$10,000	-	Learn More Add Review
Bank of Cashton Bank Of Cashton Branch	1.50%	$10,000	-	Learn More Add Review
Cumberland Federal Bank, FSB Cumberland Federal Bank, Fsb Branch	1.36%	$500	-	Learn More Add Review
Dairy State Bank Birchwood Branch	1.35%	$100,000	-	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%
Great North Bank Great North Bank Branch	1.35%	$10,000	-	Learn More Add Review
Security Bank Security Bank Branch	1.31%	$500	-	Learn More Add Review
Community Bank of Cameron Community Bank Of Cameron Branch	1.31%	$100,000	-	Learn More Add Review
Waldo State Bank Waldo State Bank Branch	1.31%	$10,000	-	Learn More Add Review
Ixonia Bank Ixonia Bank Branch	1.30%	$10,000	-	Learn More Add Review
Citizens State Bank Citizens State Bank Branch	1.29%	$10,000	-	Learn More Add Review
Community Bank of Cameron Community Bank Of Cameron Branch	1.26%	$10,000	-	Learn More Add Review
GreenLeaf Bank Greenleaf Wayside Bank Branch	1.26%	$10,000	-	Learn More Add Review
Black River Country Bank Black River Country Bank Branch	1.26%	$10,000	-	Learn More Add Review
Union State Bank of West Salem Union State Bank Of West Salem Branch	1.26%	$10,000	-	Learn More Add Review
Dairy State Bank Birchwood Branch	1.25%	$10,000	-	Learn More Add Review
Headwaters State Bank Headwaters State Bank Branch	1.25%	$10,000	-	Learn More Add Review
State Bank Financial State Bank Financial Branch	1.25%	$100,000	-	Learn More Add Review
The First Bank of Baldwin The First Bank Of Baldwin Branch	1.25%	$500	-	Learn More Add Review
Byline Bank Brookfield Ridgestone Branch	1.25%	$5,000	-	Learn More Add Review
Rate History: 1.50% → 1.25%
Citizens State Bank of Loyal Citizens State Bank Of Loyal Branch	1.21%	$50,000	-	Learn More Add Review
Shell Lake State Bank Shell Lake State Bank Branch	1.21%	$10,000	-	Learn More Add Review
Waumandee State Bank Fountain City Branch	1.20%	$10,000	-	Learn More Add Review
Bank of Wisconsin Dells Bank Of Wisconsin Dells Branch	1.20%	$10,000	-	Learn More Add Review
Ergo Bank Farmers State Bank Branch	1.20%	$10,000	-	Learn More Add Review
Columbia Savings and Loan Association Columbia Savings And Loan Associatio Branch	1.20%	$10,000	-	Learn More Add Review
Farmers and Merchants Union Bank Farmers And Merchants Union Bank Branch	1.15%	$100,000	-	Learn More Add Review
Peoples State Bank of Plainview Boyceville Branch	1.15%	$100,000	-	Learn More Add Review
The Benton State Bank The Benton State Bank Branch	1.15%	$10,000	-	Learn More Add Review
Bay Bank Bay Bank Branch	1.10%	$500	-	Learn More Add Review
Bank of Luxemburg Bank Of Luxemburg Branch	1.10%	$10,000	-	Learn More Add Review
Farmers and Merchants Union Bank Farmers And Merchants Union Bank Branch	1.10%	$10,000	-	Learn More Add Review
Oregon Community Bank Oregon Community Bank & Trust Branch	1.10%	$100,000	-	Learn More Add Review
Peoples State Bank of Plainview Boyceville Branch	1.10%	$10,000	-	Learn More Add Review
Highland State Bank Highland State Bank Branch	1.10%	$10,000	-	Learn More Add Review
Intercity State Bank Intercity State Bank Branch	1.10%	$10,000	-	Learn More Add Review
First Citizens State Bank First Citizens State Bank Branch	1.10%	$10,000	-	Learn More Add Review
Cleveland State Bank Cleveland State Bank Branch	1.05%	$10,000	-	Learn More Add Review
Northern State Bank Northern State Bank Branch	1.05%	$10,000	-	Learn More Add Review
Oostburg State Bank Oostburg State Bank Branch	1.05%	$10,000	-	Learn More Add Review
Prevail Bank Time Federal Savings Bank Branch	1.05%	$50,000	-	Learn More Add Review
First National Community Bank First National Community Bank Branch	1.01%	$10,000	-	Learn More Add Review
BMO Bank National Association Bay View Branch	1.00%	$1,000	-	Learn More
Rate History: 0.25% → 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)
Farmers & Merchants State Bank Farmers & Merchants State Bank Branch	1.00%	$10,000	-	Learn More Add Review
Oregon Community Bank Oregon Community Bank & Trust Branch	1.00%	$10,000	-	Learn More Add Review
West Pointe Bank West Pointe Bank Branch	1.00%	$500	-	Learn More Add Review
Sterling Bank Sterling Bank Branch	1.00%	$10,000	-	Learn More Add Review
Horicon Bank Horicon Bank Branch	1.00%	$10,000	-	Learn More Add Review
Bank of Sun Prairie Bank Of Sun Prairie Branch	1.00%	$10,000	-	Learn More Add Review
The Bank of New Glarus The Bank Of New Glarus Branch	1.00%	$10,000	-	Learn More Add Review
The Peshtigo National Bank The Peshtigo National Bank Branch	1.00%	$10,000	-	Learn More Add Review
Bristol Morgan Bank Bank Of Oakfield Branch	1.00%	$10,000	-	Learn More Add Review
Peoples State Bank Rhinelander Branch - Lincoln	1.00%	$10,000	-	Learn More Add Review
Banner Banks Banner Banks Branch	1.00%	$10,000	-	Learn More Add Review
Partners Bank of Wisconsin Partners Bank Of Wisconsin Branch	1.00%	$100,000	-	Learn More Add Review
PyraMax Bank, FSB South Milwaukee 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 Port Washington State Bank Fredonia Branch	1.00%	$10,000	-	Learn More Add Review
State Bank of Newburg State Bank Of Newburg Branch	1.00%	$10,000	-	Learn More Add Review
KeySavings Bank Keysavings Bank Branch	1.00%	$10,000	-	Learn More Add Review
Prevail Bank Time Federal Savings Bank Branch	0.95%	$1,000	-	Learn More Add Review
Bank of Mauston Bank Of Mauston Branch	0.95%	$10,000	-	Learn More Add Review
State Bank Financial State Bank Financial Branch	0.95%	$10,000	-	Learn More Add Review
River Falls State Bank River Falls State Bank Branch	0.95%	$10,000	-	Learn More Add Review
Citizens State Bank of Loyal Citizens State Bank Of Loyal Branch	0.90%	$10,000	-	Learn More Add Review
State Bank of Chilton Calumet County Bank Main Office Bran Branch	0.90%	$10,000	-	Learn More Add Review
Bank of Deerfield Bank Of Deerfield Branch	0.90%	$500	-	Learn More Add Review
Mayville Savings Bank Mayville Savings Bank Branch	0.90%	$500	-	Learn More Add Review
Partners Bank of Wisconsin Partners Bank Of Wisconsin Branch	0.90%	$10,000	-	Learn More Add Review
East Wisconsin Savings Bank East Wisconsin Savings Bank Branch	0.90%	$10,000	-	Learn More Add Review
American National Bank - Fox Cities American National Bank - Fox Cities Branch	0.90%	$10,000	-	Learn More Add Review
Bank of Milton Bank Of Milton Branch	0.90%	$10,000	-	Learn More Add Review
The Farmers State Bank of Waupaca The Farmers State Bank Of Waupaca Branch	0.90%	$10,000	-	Learn More Add Review
Citizens State Bank Citizens State Bank Branch	0.89%	$100,000	-	Learn More Add Review
State Bank of Cross Plains Bank Of Waunakee/Branch	0.85%	$10,000	-	Learn More
Otto Alber \| Jan 15, 2024 What is Lake Ridge Bank SWIFT Code? Read More Reviews (1)
The Stephenson National Bank and Trust The Stephenson National Bank And Tru Branch	0.85%	$10,000	-	Learn More Add Review
Clare Bank, National Association Clare Bank, National Association Branch	0.85%	$10,000	-	Learn More Add Review
The Bank of Brodhead The Bank Of Brodhead Branch	0.85%	$10,000	-	Learn More Add Review
Woodford State Bank Woodford State Bank Branch	0.80%	$10,000	-	Learn More Add Review
Starion Bank Middleton, Wi Branch	0.80%	$25,000	-	Learn More
rich_hovland@bismarckschools.org \| Nov 13, 2019 yes Read More Reviews (2)
Bluff View Bank Bank Of Galesville Branch	0.80%	$10,000	-	Learn More Add Review
Capitol Bank Capitol Bank Branch	0.80%	$10,000	-	Learn More Add Review
Union Federal Savings and Loan Association West Washington Avenue Branch	0.80%	$10,000	-	Learn More Add Review
The International Bank of Amherst The International Bank Of Amherst Branch	0.80%	$100,000	-	Learn More Add Review
The First National Bank and Trust Company The First National Bank And Trust Co Branch	0.78%	$1,000	-	Learn More Add Review
Community First Bank Community First Bank Branch	0.76%	$10,000	-	Learn More Add Review
The First National Bank of River Falls The First National Bank Of River Fal Branch	0.75%	$2,500	-	Learn More Add Review
Starion Bank Middleton, Wi Branch	0.75%	$2,500	-	Learn More
rich_hovland@bismarckschools.org \| Nov 13, 2019 yes Read More Reviews (2)
National Exchange Bank and Trust Cambria Branch	0.75%	$10,000	-	Learn More Add Review
Chippewa Valley Bank Chippewa Valley Bank Branch	0.75%	$10,000	-	Learn More
KateyB \| 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 Reviews (1)
River Bank De Soto Branch	0.75%	$10,000	-	Learn More Add Review
AbbyBank Abbybank Branch	0.75%	$10,000	-	Learn More Add Review
The International Bank of Amherst The International Bank Of Amherst Branch	0.75%	$10,000	-	Learn More Add Review
FORTE BANK The First National Bank Of Hartford Branch	0.75%	$500	-	Learn More Add Review
The Pineries Bank The Pineries Bank Branch	0.75%	$10,000	-	Learn More Add Review
First State Bank Rudolph Branch	0.71%	$10,000	-	Learn More Add Review
National Bank of Commerce Nbc Mortgage Services Branch	0.70%	$100,000	-	Learn More Add Review
Tomahawk Community Bank S.S.B. Merrill Branch	0.70%	$1,000	-	Learn More Add Review
Forward Bank Withee Branch	0.70%	$100,000	-	Learn More Add Review
Peoples State Bank Woodhouse&Bartley Branch	0.70%	$100,000	-	Learn More Add Review
The Park Bank The Park Bank Branch	0.70%	$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)
First State Bank and Trust First State Bank And Trust Branch	0.70%	$10,000	-	Learn More Add Review
Frandsen Bank & Trust Luck Branch	0.65%	$50,000	-	Learn More Add Review
National Bank of Commerce Nbc Mortgage Services Branch	0.65%	$10,000	-	Learn More Add Review
Security State Bank Security State Bank Branch	0.65%	$10,000	-	Learn More Add Review
Forward Bank Withee Branch	0.65%	$10,000	-	Learn More Add Review
Farmers Savings Bank Farmers Savings Bank Branch	0.65%	$10,000	-	Learn More Add Review
Community First Bank Livingston Branch	0.65%	$10,000	-	Learn More Add Review
MidWestOne Bank Osceola - Branch 40	0.65%	$10,000	-	Learn More Add Review
CIBC Bank USA 743 North Water Street Branch	0.65%	$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)
Westbury Bank Westbury Bank Branch	0.65%	$10,000	-	Learn More Add Review
Farmers & Merchants Bank & Trust Farmers & Merchants Bank & Trust Branch	0.61%	$10,000	-	Learn More Add Review
Merchants Bank, National Association Onalaska Branch	0.60%	$10,000	-	Learn More Add Review
Peoples State Bank Woodhouse&Bartley Branch	0.60%	$10,000	-	Learn More Add Review
Richland County Bank Richland County Bank Branch	0.60%	$10,000	-	Learn More Add Review
WaterStone Bank, SSB Waterstone Bank, Ssb Branch	0.60%	$10,000	-	Learn More Add Review
CIBC Bank USA 743 North Water Street Branch	0.60%	$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)
Frandsen Bank & Trust Luck Branch	0.55%	$10,000	-	Learn More Add Review
Citizens Community Federal National Association Barron Branch	0.55%	$10,000	-	Learn More Add Review
Collins State Bank Collins State 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
Wolf River Community Bank Wolf River Community Bank Branch	0.55%	$10,000	-	Learn More
Depositor \| Feb 23, 2018 Strange bank. Connected to murder and suicide since 2006 Read More Reviews (1)
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
The Huntington National Bank Pulaski Wi 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)
Town Bank, National Association Albany Branch	0.50%	$1,000	-	Learn More Add Review
Fortifi Bank Fortifi Bank Branch	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
Tri City National Bank Tri City Bank Branch	0.50%	$10,000	-	Learn More Add Review
WOODTRUST BANK Woodtrust Bank Branch	0.50%	$10,000	-	Learn More Add Review
Waukesha State Bank Waukesha State Bank Branch	0.50%	$10,000	-	Learn More Add Review
First Federal Bank of Wisconsin 3974 South Howell Ave Br Branch	0.50%	$10,000	-	Learn More Add Review
North Shore Bank, FSB North Shore Bank, Fsb Branch	0.45%	$10,000	-	Learn More Add Review
U.S. Bank National Association Franksville Branch	0.40% 0.25%	$1,000 $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)
Old National Bank S&C Bank, Chippewa/Branch	0.40%	$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 Elm Grove Branch	0.40%	$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)
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
First-Citizens Bank & Trust Company First-Citizens Bank & Trust Company 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)
PNC Bank, National Association Hartford 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)
Associated Bank, National Association Milwaukee 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 10116

Branch	Street	City	State
Nicolet National Bank Kewaunee - Main Street Branch	519 Main Street	Kewaunee	WI
Spring Bank Spring Bank Branch	16620 West Bluemound Road, Suite 100a	Brookfield	WI
Bank Five Nine First Bank Financial Centre Branch	155 West Wisconsin Avenue	Oconomowoc	WI
Spring Bank Spring Bank Branch	16620 West Bluemound Road, Suite 100a	Brookfield	WI
Nicolet National Bank Kewaunee - Main Street Branch	519 Main Street	Kewaunee	WI
IncredibleBank River Valley Bank Branch	327 North 17th Avenue	Wausau	WI
Johnson Bank Holiday Drive Branch 63000	2021 Holiday Drive	Janesville	WI
Bank First, N.A. Bank First National Branch	402 North Eighth Street	Manitowoc	WI
Hiawatha National Bank Glenwood City Branch	220 East Oak Street	Glenwood City	WI
JPMorgan Chase Bank, National Association Edgerton Branch	111 North Main Street	Edgerton	WI
Unity Bank Neillsville Branch	500 West Street	Neillsville	WI
Unity Bank Neillsville Branch	500 West Street	Neillsville	WI
Oakwood Bank Pigeon Falls State Bank Branch	40214 S Ekern Avenue	Pigeon Falls	WI
Ladysmith Federal Savings and Loan Association Ladysmith Federal Savings And Loan A Branch	119 West 4th Street North	Ladysmith	WI
Nekoosa Port Edwards State Bank Nekoosa Port Edwards State Bank Branch	405 Market Street	Nekoosa	WI
Security Financial Bank Bloomer Branch	1401 Main Street	Bloomer	WI
Bank of Cashton Bank Of Cashton Branch	723 Main Street	Cashton	WI
Cumberland Federal Bank, FSB Cumberland Federal Bank, Fsb Branch	1390 Second Avenue	Cumberland	WI
Dairy State Bank Birchwood Branch	124 N. Main Street	Birchwood	WI
The Farmers & Merchants Bank The Farmers & Merchants Bank Branch	123 W Huron Street	Berlin	WI
Great North Bank Great North Bank Branch	541 Central Avenue	Florence	WI
Security Bank Security Bank Branch	112 East Main Street	New Auburn	WI
Community Bank of Cameron Community Bank Of Cameron Branch	101 West Main Street	Cameron	WI
Waldo State Bank Waldo State Bank Branch	119 N Depot St	Waldo	WI
Ixonia Bank Ixonia Bank Branch	W 1046 Marietta Ave	Ixonia	WI
Citizens State Bank Citizens State Bank Branch	375 Stageline Road	Hudson	WI
Community Bank of Cameron Community Bank Of Cameron Branch	101 West Main Street	Cameron	WI
GreenLeaf Bank Greenleaf Wayside Bank Branch	1608 Day Street	Greenleaf	WI
Black River Country Bank Black River Country Bank Branch	221 Main Street	Black River Falls	WI
Union State Bank Union State Bank Of West Salem Branch	120 South Mill Street	West Salem	WI
Dairy State Bank Birchwood Branch	124 N. Main Street	Birchwood	WI
Headwaters State Bank Headwaters State Bank Branch	4175 County Highway B	Land O Lakes	WI
State Bank Financial State Bank Financial Branch	401 Main Street	La Crosse	WI
Pillar Bank The First Bank Of Baldwin Branch	990 Main Street	Baldwin	WI
Byline Bank Brookfield Ridgestone Branch	13925 West North Avenue	Brookfield	WI
Citizens State Bank of Loyal Citizens State Bank Of Loyal Branch	400 North Main Street	Loyal	WI
Shell Lake State Bank Shell Lake State Bank Branch	102 5th Ave	Shell Lake	WI
Waumandee State Bank Fountain City Branch	46 South Main Street	Fountain City	WI
Bank of Wisconsin Dells Bank Of Wisconsin Dells Branch	716 Superior Street	Wisconsin Dells	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
Farmers and Merchants Union Bank Farmers And Merchants Union Bank Branch	159 West James Street	Columbus	WI
Peoples State Bank of Plainview Boyceville Branch	715 Highway 79	Boyceville	WI
The Benton State Bank The Benton State Bank Branch	42 West Main Street	Benton	WI
Bay Bank Bay Bank Branch	2555 Packerland Drive	Green Bay	WI
Bank of Luxemburg Bank Of Luxemburg Branch	630 Main Street	Luxemburg	WI
Farmers and Merchants Union Bank Farmers And Merchants Union Bank Branch	159 West James Street	Columbus	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
Highland State Bank Highland State Bank Branch	541 North Main Street	Highland	WI
Intercity State Bank Intercity State Bank Branch	962 Grand Avenue	Schofield	WI
First Citizens State Bank First Citizens State Bank Branch	207 West Main Street	Whitewater	WI
Cleveland State Bank Cleveland State Bank Branch	1250 West Washington Avenue	Cleveland	WI
Northern State Bank Northern State Bank Branch	321 West Main Street	Ashland	WI
Oostburg State Bank Oostburg State Bank Branch	905 Center Avenue	Oostburg	WI
Prevail Bank Time Federal Savings Bank Branch	675 E. Broadway Ave.	Medford	WI
First National Community Bank First National Community Bank Branch	109 E 2nd St	New Richmond	WI
BMO Bank National Association Bay View Branch	2701 South Kinnickinnic Avenue	Milwaukee	WI
Farmers & Merchants State Bank Farmers & Merchants State Bank Branch	210 West Madison	Waterloo	WI
One Community Bank Oregon Community Bank & Trust Branch	733 North Main Street	Oregon	WI
West Pointe Bank West Pointe Bank Branch	1750 Witzel Avenue	Oshkosh	WI
Sterling Bank Sterling Bank Branch	234 East La Salle Avenue	Barron	WI
Horicon Bank Horicon Bank Branch	326 East Lake Street	Horicon	WI
Bank of Sun Prairie Bank Of Sun Prairie Branch	228 East Main Street	Sun Prairie	WI
The Bank of New Glarus The Bank Of New Glarus Branch	501 First Street	New Glarus	WI
The Peshtigo National Bank The Peshtigo National Bank Branch	250 French Street	Peshtigo	WI
Bristol Morgan Bank Bank Of Oakfield Branch	103 South Main Street	Oakfield	WI
Peoples State Bank Rhinelander Branch - Lincoln	1225 Lincoln Street	Rhinelander	WI
Banner Banks Banner Banks Branch	416 Main St.	Birnamwood	WI
Partners Bank of Wisconsin Partners Bank Of Wisconsin Branch	907 North Central	Marshfield	WI
PyraMax Bank, FSB South Milwaukee Branch	1015 Marquette Avenue	South Milwaukee	WI
BLC Community Bank Blc Community Bank Branch	206 East Main Avenue	Little Chute	WI
The Port Washington State Bank Fredonia Branch	201 Regal Drive	Fredonia	WI
State Bank of Newburg State Bank Of Newburg Branch	300 Congress Dr Hwy 33	Newburg	WI
KeySavings Bank Keysavings Bank Branch	811 East Grand Avenue	Wisconsin Rapids	WI
Prevail Bank Time Federal Savings Bank Branch	675 E. Broadway Ave.	Medford	WI
Bank of Mauston Bank Of Mauston Branch	503 Highway 82 East	Mauston	WI
State Bank Financial State Bank Financial Branch	401 Main Street	La Crosse	WI
River Falls State Bank River Falls State Bank Branch	124 South Second Street	River Falls	WI
Citizens State Bank of Loyal Citizens State Bank Of Loyal Branch	400 North Main Street	Loyal	WI
State Bank of Chilton Calumet County Bank Main Office Bran Branch	103 North Main Street	Brillion	WI
Bank of Deerfield Bank Of Deerfield Branch	15 South Main Street	Deerfield	WI
Mayville Savings Bank Mayville Savings Bank Branch	200 South Main Street	Mayville	WI
Partners Bank of Wisconsin Partners Bank Of Wisconsin Branch	907 North Central	Marshfield	WI
East Wisconsin Savings Bank East Wisconsin Savings Bank Branch	109 West Second Street	Kaukauna	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 Farmers State Bank of Waupaca The Farmers State Bank Of Waupaca Branch	112 West Fulton Street	Waupaca	WI
Citizens State Bank Citizens State Bank Branch	375 Stageline Road	Hudson	WI
Lake Ridge Bank Bank Of Waunakee/Branch	610 West Main Street	Waunakee	WI
The Stephenson National Bank and Trust The Stephenson National Bank And Tru Branch	1818-1820 Hall Avenue	Marinette	WI
Clare Bank, National Association Clare Bank, National Association Branch	345 West Pine Street	Platteville	WI
The Bank of Brodhead The Bank Of Brodhead Branch	806 East Exchange	Brodhead	WI
Woodford State Bank Woodford State Bank Branch	403 West 8th Street	Monroe	WI
Starion Bank Middleton, Wi Branch	1651 John Q. Hammons Drive	Middleton	WI
Bluff View Bank Bank Of Galesville Branch	16893 South Main Street	Galesville	WI
Capitol Bank Capitol Bank Branch	710 North High Point Road	Madison	WI
Union Federal Savings and Loan Association West Washington Avenue Branch	115 West Washington Ave.	Madison	WI
The International Bank of Amherst The International Bank Of Amherst Branch	103 South Main Street	Amherst	WI
The First National Bank and Trust Company The First National Bank And Trust Co Branch	345 East Grand Avenue	Beloit	WI
Community First Bank Community First Bank Branch	275 West Grand Avenue	Rosholt	WI
The First National Bank of River Falls The First National Bank Of River Fal Branch	104 East Locust Street	River Falls	WI
Starion Bank Middleton, Wi Branch	1651 John Q. Hammons Drive	Middleton	WI
National Exchange Bank and Trust Cambria Branch	118 East Edgewater Street	Cambria	WI
Chippewa Valley Bank Chippewa Valley Bank Branch	5150 North Main Street	Winter	WI
River Bank De Soto Branch	88 Crawford Street	De Soto	WI
AbbyBank Abbybank Branch	401 East Spruce Street	Abbotsford	WI
The International Bank of Amherst The International Bank Of Amherst Branch	103 South Main Street	Amherst	WI
FORTE BANK The First National Bank Of Hartford Branch	116 West Sumner Street	Hartford	WI
The Pineries Bank The Pineries Bank Branch	3601 Main Street	Stevens Point	WI
First State Bank Rudolph Branch	1680 Main Street	Rudolph	WI
National Bank of Commerce Nbc Mortgage Services Branch	1214 Tower Avenue	Superior	WI
Crossbridge Community Bank Merrill Branch	907 East Main St	Merrill	WI
Forward Bank Withee Branch	410 Division Street	Withee	WI
Peoples State Bank Woodhouse&Bartley Branch	445 Canal Street	Bloomington	WI
The Park Bank The Park Bank Branch	2401 South Park Street	Madison	WI
First State Bank and Trust First State Bank And Trust Branch	219 2nd Street South	Hudson	WI
Frandsen Bank & Trust Luck Branch	200 Main Street South	Luck	WI
National Bank of Commerce Nbc Mortgage Services Branch	1214 Tower Avenue	Superior	WI
Security State Bank Security State Bank Branch	U S Hwy #2 7865	Iron River	WI
Forward Bank Withee Branch	410 Division Street	Withee	WI
Farmers Savings Bank Farmers Savings Bank Branch	305 Doty Street	Mineral Point	WI
Community First Bank Livingston Branch	125 N Center Street	Livingston	WI
MidWestOne Bank Osceola - Branch 40	304 Cascade Street North	Osceola	WI
CIBC Bank USA 743 North Water Street Branch	743 North Water Street	Milwaukee	WI
Westbury Bank Westbury Bank Branch	200 South Main Street	West Bend	WI
Farmers & Merchants Bank & Trust Farmers & Merchants Bank & Trust Branch	1644 Ludington Street	Marinette	WI
Merchants Bank, National Association Onalaska Branch	3140 Market Place	Onalaska	WI
Peoples State Bank Woodhouse&Bartley Branch	445 Canal Street	Bloomington	WI
Richland County Bank Richland County Bank Branch	195 West Court Street	Richland Center	WI
WaterStone Bank, SSB Waterstone Bank, Ssb Branch	11200 West Plank Court	Wauwatosa	WI
CIBC Bank USA 743 North Water Street Branch	743 North Water Street	Milwaukee	WI
Frandsen Bank & Trust Luck Branch	200 Main Street South	Luck	WI
Citizens Community Federal National Association Barron Branch	436 East La Salle Avenue	Barron	WI
Collins State Bank Collins State Bank Branch	20741 Cth Jj And State Hwy. 32	Collins	WI
State Bank of the Lakes, National Association Kenosha Branch	8700 75th Street	Kenosha	WI
Wolf River Community Bank Wolf River Community Bank Branch	309 East Main Street	Hortonville	WI
The Huntington National Bank Pulaski Wi Branch	160 E. Pulaski St	Pulaski	WI
Town Bank, National Association Albany Branch	102 West Main Street	Albany	WI
Fortifi Bank Fortifi Bank Branch	140 West Huron Street	Berlin	WI
State Bank of the Lakes, National Association Kenosha Branch	8700 75th Street	Kenosha	WI
Tri City National Bank Tri City Bank Branch	2704 Lathrop Avenue	Racine	WI
WOODTRUST BANK Woodtrust Bank Branch	181 Second Street South	Wisconsin Rapids	WI
Waukesha State Bank Waukesha State Bank Branch	151 East St. Paul Avenue	Waukesha	WI
First Federal Bank of Wisconsin 3974 South Howell Ave Br Branch	3974 S Howell Avenue	Milwaukee	WI
North Shore Bank North Shore Bank, Fsb Branch	15700 West Bluemound Road	Brookfield	WI
U.S. Bank National Association Franksville Branch	10005 Northwestern Ave	Franksville	WI
Old National Bank S&C Bank, Chippewa/Branch	101 North Broadway	Stanley	WI
CIBM Bank Elm Grove Branch	12700 W Bluemound Rd Ste 150	Elm Grove	WI
U.S. Bank National Association Franksville Branch	10005 Northwestern Ave	Franksville	WI
First-Citizens Bank & Trust Company First-Citizens Bank & Trust Company Branch	5630 West Fond Du Lac Avenue	Milwaukee	WI
PNC Bank, National Association Hartford Branch	709 Grand Avenue	Hartford	WI
Associated Bank, National Association Milwaukee Branch	250 East Wisconsin Avenue	Milwaukee	WI

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

PRODUCT INFORMATION

Five Year CDs - Branch Banks 2025

Five-year CDs are the big kahuna of the CD world. While banks may offer six-year, seven-year, or even 10-year CDs, the five-year is the longest of the most commonly offered terms. The 5-year CD is therefore often the highest offer at your local bank. Therefore, the temptation for those looking for yield is to open one, deposit money, and forget about it for five years. This could be a mistake. In rising rate environments a five-year CD may not be a good investment.

Safety

Like every other CD term, five year CDs from FDIC insured banks are protected 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.

Inflation

The principle threat to a a five year CD is inflation. If the CD is opened in a low rate environment, and rates and inflation subsequently rise, then inflation will erode the value of the certificate of deposit over its five years. For example, if a depositor opened a five year CD in year 1 with a yield of 2.05% APY and inflation at 1.5%, then the real return is .55 percentage points. But if inflation rises the next year to 2.5% and stays there for the next four years, then the CD in real terms is losing money every year: 2.05% - 2.5% = -.45%.

While it is impossible for anyone to predict too far into the future, savers should be cognizant of the economic environment before locking up money for a five year time-period. Our rate analysis page provides some insight into where we think rates will go.

On the other hand, if rates are falling and will continue to do so for some time due to an economic recession then it makes sense to lock in a higher rate with a five year CD. Savers who opened five year CDs in 2008 immediately after the financial crisis were able to lock in rates in the 6% range, a great move considering two years later a five year CD paid below 3%.

Interest

Five-year CDs currently pay about 1.00% 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.

Opening a Five Year CD

Opening a five year CD in a branch is relatively easy and similar to every other CD term. Most banks require the customer be a resident of the United States and most branch-based banks ask that the account be opened in the bank. Funding can be performed by transferring money that is already located at that bank or by check or ACH transfer from another bank. The CD can be opened that day and the rate locked.

With longer term CDs, savers should make sure they put a record of the CD in a safe place and that if they move, they forward their new address to the bank. In cases where the bank cannot find the CD holder, the bank may hand the funds over to a state authority as a lost deposit, and it will require onerous paperwork to reclaim the money.

ADVANTAGES AND DISADVANTAGES OF FIVE YEAR CDs

Advantages of five year CDs

5 year CDs provide the highest rate of the common CD terms.
The return is fixed for five years, which is an advantage in a flat or falling rate environment.

Disadvantages of five year CDs

The money is locked away for five years and cannot be withdrawn without a substantial 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.

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PRODUCT INFORMATION

Five Year CDs - Branch Banks 2025

Safety

Inflation

Interest

Opening a Five Year CD

ADVANTAGES AND DISADVANTAGES OF FIVE YEAR CDs

Advantages of five year CDs

Disadvantages of five year CDs

SAVINGS & CD CALCULATOR

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