Best Credit Union 4 Year CD Rates in Monona, Wisconsin, WI

You are viewing rates from credit unions across Monona

Below are four year CD Rates from credit unions in Monona, 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.

Monona, WI - July 21, 2025

4 Year CD National Average : 0.82% ^?

Credit Unions	APY	MIN	MILES ^?
Covantage Covantage Credit Union Branch Restrictions	4.35%	$1,000	-	Learn More Add Review
Landmark Westridge Branch Restrictions	3.90%	$500	-	Learn More Add Review
Rate History: 4.30% → 3.90%
Summit American Parkway Branch Restrictions	3.50%	$500	-	Learn More Add Review
Rate History: 1.20% → 2.40% → 3.50%
University Of Wisconsin University Ave Branch Restrictions	3.35% 3.30% 3.25%	$250,000 $10,000 $500	-	Learn More Add Review
Rate History: 4.05% → 3.55% → 3.35%
Connexus Main Office Branch Restrictions	3.10% 3.00%	$100,000 $5,000	-	Learn More
Rate History: 3.56% → 4.06% → 3.55% → 3.21% → 3.10%
Josh Hinson \| Feb 3, 2023 So I financed a camper through this group. The plumbing water sewer black and gray tank fell to the ground 30 days after purchase. It was being “ fixed “ for almost 5 months the dealer assured me I wou... Read More Reviews (7)
Trustone Financial Green Bay Road Branch Restrictions	3.00%	$500	-	Learn More
Ann and Korky \| Aug 7, 2020 We have been members for over 40 years. Now that we are retired, we spend a lot of time in Turkey. We use our credit card from Trustone, but often the merchant will not accept it. They try to run it thr... Read More Reviews (2)
Superior Choice Shoreline Branch Restrictions	2.63% 2.25%	$100,000 $500	-	Learn More
Rate History: 2.89% → 3.14% → 2.63% → 2.89% → 2.63%
prashant109 \| Dec 7, 2023 100% a Rogue Bank. Wish I could give them a negative star. Banks like superior choice CU are the example why Americans are behind on building better credit portfolio. They for some strange reasons ar... Read More Reviews (1)
Royal Corporate Center Branch Restrictions	2.40%	$0	-	Learn More Add Review
Department of Commerce Restrictions	2.02%	$500	-	Learn More
Rate History: 4.50% → 4.35% → 4.08% → 3.30% → 2.02%
member \| Dec 14, 2022 Agree with Jaben to stay away from docfcu. They don't appreciate loyal members and easily turn down any requests after a delayed response. I have closed my accounts and moved my funds to better institutio... Read More Reviews (2)
Marine Wiam Branch Restrictions	1.90%	$1,000	-	Learn More Add Review
Pcm Ameriprise Branch Restrictions	1.50%	$10,000	-	Learn More Add Review
Tomah Area Tomah Area Credit Union Branch Restrictions	1.31%	$100	-	Learn More Add Review
Winnebago Community Snell Branch Restrictions	1.30%	$10,000	-	Learn More Add Review
1st Community 1st Ccu Sparta Branch Restrictions	1.26%	$100,000	-	Learn More Add Review
Fox Communities Calumet Branch Restrictions	1.25%	$2,000	-	Learn More
Cpfeffer43@gmail.com \| Oct 13, 2022 Manager at WI Ave was disrespectful with pompous attitude. BEWARE! Read More Reviews (1)
Thrivent Tfcu - Appleton Branch Restrictions	1.25%	$10,000	-	Learn More Add Review
1st Community 1st Ccu Sparta Branch Restrictions	1.21%	$1,000	-	Learn More Add Review
Members' Advantage Wisconsin Rapids Office Branch Restrictions	1.21%	$10,000	-	Learn More Add Review
Capital College Avenue Branch Restrictions	1.20%	$10,000	-	Learn More Add Review
Co-op Main Office Branch Restrictions	1.20%	$10,000	-	Learn More Add Review
Firefighters 525 5th Ave S Branch Restrictions	1.20%	$10,000	-	Learn More Add Review
Marine Wiam Branch Restrictions	1.16%	$100,000	-	Learn More Add Review
Schneider Community Schneider Community Credit Union Branch Restrictions	1.16%	$10,000	-	Learn More Add Review
Verve, A Credit Union Main St Branch Restrictions	1.11%	$1,000	-	Learn More Add Review
Valley Communities Mosinee Office Branch Restrictions	1.11%	$10,000	-	Learn More
Terry T \| Mar 18, 2021 Great rates on auto, RV and winter/summer toy loans, flexible payment options, Read More Reviews (5)
Oshkosh Community Oshkosh Community Credit Union Branch Restrictions	1.11%	$10,000	-	Learn More Add Review
Indianhead Main Office Branch Restrictions	1.11%	$10,000	-	Learn More Add Review
Westby Co-op Westby Main Branch Restrictions	1.10%	$10,000	-	Learn More Add Review
Dupaco Community Platteville Branch Restrictions	1.10%	$10,000	-	Learn More Add Review
Cloverbelt Main Office Branch Restrictions	1.10%	$10,000	-	Learn More Add Review
Simplicity Marshfield Branch Restrictions	1.10%	$500	-	Learn More Add Review
Oshkosh Community Oshkosh Community Credit Union Branch Restrictions	1.10%	$100,000	-	Learn More Add Review
Educators Educators Credit Union- Newman Branch Restrictions	1.01%	$10,000	-	Learn More Add Review
Central Wisconsin Home Office Branch Restrictions	1.01%	$40,000	-	Learn More Add Review
Fond Du Lac Pioneer Rd Branch Restrictions	1.00%	$100,000	-	Learn More Add Review
Sentry Sentry Credit Union Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
Meadowland Location Of Records Branch	1.00%	$10,000	-	Learn More
Nevermind \| Jul 2, 2018 Unhelpful, do not return calls timely, unwilling to assist me in getting my auto loan up to date, when I forgot a payment. Expected a 500 dollar payment up front. Impossible. Don't recommend Read More Reviews (1)
Members First Main Office Branch	1.00%	$10,000	-	Learn More Add Review
Glacier Hills Main Office Branch Restrictions	1.00%	$10,000	-	Learn More
Lyn \| Jul 19, 2020 Until they started this "transition" we loved this CU! Have had accounts here for at least 10 years. Now, we cannot get into an estate account to move some money and from our personal account now know th... Read More Reviews (1)
Mcu Financial Center Mcu Financial Center C U Branch	1.00%	$10,000	-	Learn More Add Review
Unitedone Main Office - 10th Street Branch Restrictions	0.95%	$100,000	-	Learn More Add Review
Badger-globe Main Office Branch Restrictions	0.95%	$10,000	-	Learn More Add Review
Shoreline Mishicot Rd Branch Restrictions	0.92%	$10,000	-	Learn More Add Review
Fond Du Lac Pioneer Rd Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
Golden Rule Community Golden Rule Community Credit Union Branch Restrictions	0.90%	$500	-	Learn More Add Review
Marshfield Medical Center 302 W Upham St Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
Wisconsin Medical Main Office Branch	0.85%	$10,000	-	Learn More Add Review
Central Wisconsin Home Office Branch Restrictions	0.85%	$1,000	-	Learn More Add Review
Unitedone Main Office - 10th Street Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
Kohler Kohler Credit Union Branch Restrictions	0.85%	$100,000	-	Learn More Add Review
Post Office Main Office Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
Fort Community Fort Community-ss Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
Southern Lakes 80th Street Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
Prospera Corporate Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
Westconsin Administrative/east Menomonie Office Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Kohler Kohler Credit Union Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Heartland Heartland-verona Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Ripco Ripco Credit Union Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Prime Financial Prime Financial Credit Union Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Dane County Dane County Credit Union Branch Restrictions	0.75%	$100,000	-	Learn More Add Review
Blackhawk Community Main - Court St Branch Restrictions	0.75%	$10,000	-	Learn More
Guest \| Apr 17, 2021 They treat people awful! Read More Reviews (2)
Premier Financial Premier Financial Credit Union Branch Restrictions	0.70%	$10,000	-	Learn More Add Review
Wea Office Branch	0.70%	$10,000	-	Learn More Add Review
Dane County Dane County Credit Union Branch Restrictions	0.65%	$10,000	-	Learn More Add Review
Altra Altra Federal Credit Union Branch Restrictions	0.65%	$10,000	-	Learn More Add Review
Heritage Corp Ofc - Madison Wi Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Brokaw Brokaw Office Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
First Community Cu Of Beloit Main Office Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
Unison South Office Branch Restrictions	0.55%	$500	-	Learn More Add Review
County - City County City Credit Union Branch	0.50%	$10,000	-	Learn More Add Review
Enterprise Main Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Advia Beloit - Cranston Branch Restrictions	0.40%	$10,000	-	Learn More
justjan711 \| Dec 9, 2018 I have been a member of this credit union for more than 40 years. Over time it has had many changes but the worst one they did was to hire the man that is the manager of the Cranston Road Branch. He is c... Read More Reviews (2)
Sheboygan Area Sheboygan Area Credit Union Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
St. Mary's & Affiliates St. Mary's & Affiliates Cu Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
Park City Merrill Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
Guardian Guardian Credit Union-west Milwaukee Office Branch Restrictions	0.05%	$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
COVANTAGE Covantage Credit Union Covantage Credit Union Branch	723 6th Ave	Antigo	WI
LANDMARK Westridge Westridge Branch	5445 S Westridge DR	New Berlin	WI
SUMMIT American Parkway American Parkway Branch	4800 American Pkwy	Madison	WI
UNIVERSITY OF WISCONSIN University Ave University Ave Branch	3500 University Ave	Madison	WI
UNIVERSITY OF WISCONSIN University Ave University Ave Branch	3500 University Ave	Madison	WI
UNIVERSITY OF WISCONSIN University Ave University Ave Branch	3500 University Ave	Madison	WI
CONNEXUS Main Office Main Office Branch	2600 Pine Ridge Blvd	Wausau	WI
CONNEXUS Main Office Main Office Branch	2600 Pine Ridge Blvd	Wausau	WI
TRUSTONE FINANCIAL Green Bay Road Green Bay Road Branch	6715 Green Bay Rd	Kenosha	WI
SUPERIOR CHOICE Shoreline Branch Shoreline Branch	2302 E 2nd St	Superior	WI
ROYAL Corporate Center Corporate Center Branch	200 Riverfront Ter	Eau Claire	WI
SUPERIOR CHOICE Shoreline Branch Shoreline Branch	2302 E 2nd St	Superior	WI
MARINE Wiam Wiam Branch	201 Wisconsin American Dr	Fond du Lac	WI
PCM Ameriprise Branch Ameriprise Branch	3500 Packerland Dr	De Pere	WI
TOMAH AREA Tomah Area Credit Union Tomah Area Credit Union Branch	940 N Superior Ave	Tomah	WI
WINNEBAGO COMMUNITY Snell Snell Branch	567 E Snell Rd	Oshkosh	WI
1ST COMMUNITY 1st Ccu Sparta 1st Ccu Sparta Branch	1000 W Wisconsin St	Sparta	WI
FOX COMMUNITIES Calumet Calumet Branch	3401 E Calumet St	Appleton	WI
THRIVENT Tfcu - Appleton Branch Tfcu - Appleton Branch	4321 N Ballard Rd	Appleton	WI
1ST COMMUNITY 1st Ccu Sparta 1st Ccu Sparta Branch	1000 W Wisconsin St	Sparta	WI
MEMBERS' ADVANTAGE Wisconsin Rapids Office Wisconsin Rapids Office Branch	1610 Lincoln St	Wisconsin Rapids	WI
CAPITAL College Avenue College Avenue Branch	926 W College Ave	Appleton	WI
CO-OP Main Office Main Office Branch	100 E Main St	Black River Falls	WI
FIREFIGHTERS 525 5th Ave S 525 5th Ave S Branch	525 5th Ave S	La Crosse	WI
MARINE Wiam Wiam Branch	201 Wisconsin American Dr	Fond du Lac	WI
SCHNEIDER COMMUNITY Schneider Community Credit Union Schneider Community Credit Union Branch	781 Willard Dr	Green Bay	WI
VERVE, A CREDIT UNION Main St Main St Branch	2655 N Main St	Oshkosh	WI
VALLEY COMMUNITIES Mosinee Office Mosinee Office Branch	1105 Western Ave	Mosinee	WI
OSHKOSH COMMUNITY Oshkosh Community Credit Union Oshkosh Community Credit Union Branch	250 Pearl Ave	Oshkosh	WI
INDIANHEAD Main Office Main Office Branch	104 E MAPLE ST	SPOONER	WI
WESTBY CO-OP Westby Main Westby Main Branch	501 N Main St	WESTBY	WI
DUPACO COMMUNITY Platteville Platteville Branch	1100 E Business Highway 151	Platteville	WI
CLOVERBELT Main Office Main Office Branch	110 McIndoe St	Wausau	WI
SIMPLICITY Marshfield Marshfield Branch	222 E Upham St	Marshfield	WI
OSHKOSH COMMUNITY Oshkosh Community Credit Union Oshkosh Community Credit Union Branch	250 Pearl Ave	Oshkosh	WI
EDUCATORS Educators Credit Union- Newman Educators Credit Union- Newman Branch	1400 Newman Rd	Mount Pleasant	WI
CENTRAL WISCONSIN Home Office Home Office Branch	1301 Post Rd	Plover	WI
FOND DU LAC Pioneer Rd Pioneer Rd Branch	91 N Pioneer Rd	Fond du Lac	WI
SENTRY Sentry Credit Union Sentry Credit Union Branch	1800 Northpoint Dr	Stevens Point	WI
MEADOWLAND Location Of Records Location Of Records Branch	1040 N Main St	Sheboygan Falls	WI
MEMBERS FIRST Main Office Main Office Branch	3401 W Beltline Hwy	Madison	WI
GLACIER HILLS Main Office Main Office Branch	2150 S Main St	West Bend	WI
MCU FINANCIAL CENTER Mcu Financial Center C U Mcu Financial Center C U Branch	1462 S Green Bay Rd	Mount Pleasant	WI
UNITEDONE Main Office - 10th Street Main Office - 10th Street Branch	1117 S 10th St	Manitowoc	WI
BADGER-GLOBE Main Office Main Office Branch	260 N Green Bay rd	Neenah	WI
SHORELINE Mishicot Rd Branch Mishicot Rd Branch	3131 Mishicot Rd	Two Rivers	WI
FOND DU LAC Pioneer Rd Pioneer Rd Branch	91 N Pioneer Rd	Fond du Lac	WI
GOLDEN RULE COMMUNITY Golden Rule Community Credit Union Golden Rule Community Credit Union Branch	1175 W FOND DU LAC ST	RIPON	WI
MARSHFIELD MEDICAL CENTER 302 W Upham St 302 W Upham St Branch	302 W Upham St	Marshfield	WI
WISCONSIN MEDICAL Main Office Main Office Branch	2221 S Webster Ave	Green Bay	WI
CENTRAL WISCONSIN Home Office Home Office Branch	1301 Post Rd	Plover	WI
UNITEDONE Main Office - 10th Street Main Office - 10th Street Branch	1117 S 10th St	Manitowoc	WI
KOHLER Kohler Credit Union Kohler Credit Union Branch	850 Woodlake Rd	Kohler	WI
POST OFFICE Main Office Main Office Branch	151 W Corporate Dr	Madison	WI
FORT COMMUNITY Fort Community-ss Branch Fort Community-ss Branch	1610 Janesville Ave	Fort Atkinson	WI
SOUTHERN LAKES 80th Street 80th Street Branch	3000 80th St	Kenosha	WI
PROSPERA Corporate Corporate Branch	4830 N Ballard Rd	Appleton	WI
WESTCONSIN Administrative/east Menomonie Office Administrative/east Menomonie Office Branch	3333 Schneider Ave SE	Menomonie	WI
KOHLER Kohler Credit Union Kohler Credit Union Branch	850 Woodlake Rd	Kohler	WI
HEARTLAND Heartland-verona Heartland-verona Branch	105 Enterprise Dr	Verona	WI
RIPCO Ripco Credit Union Ripco Credit Union Branch	121 Sutliff Ave	Rhinelander	WI
PRIME FINANCIAL Prime Financial Credit Union Prime Financial Credit Union Branch	1010 N Water St	Milwaukee	WI
DANE COUNTY Dane County Credit Union Dane County Credit Union Branch	2160 Rimrock Rd	Madison	WI
BLACKHAWK COMMUNITY Main - Court St Main - Court St Branch	2640 W Court St	Janesville	WI
PREMIER FINANCIAL Premier Financial Credit Union Premier Financial Credit Union Branch	PO Box 158	New Holstein	WI
WEA Office Office Branch	33 Nob Hill Rd	Madison	WI
DANE COUNTY Dane County Credit Union Dane County Credit Union Branch	2160 Rimrock Rd	Madison	WI
ALTRA Altra Federal Credit Union Altra Federal Credit Union Branch	1807 E Main St	ONALASKA	WI
HERITAGE Corp Ofc - Madison Wi Corp Ofc - Madison Wi Branch	1212 Huxley St	MADISON	WI
BROKAW Brokaw Office Brokaw Office Branch	300 Everest Ave	Brokaw	WI
FIRST COMMUNITY CU OF BELOIT Main Office Main Office Branch	1702 Park Ave	Beloit	WI
UNISON South Office South Office Branch	1616 Crooks Ave	Kaukauna	WI
COUNTY - CITY County City Credit Union County City Credit Union Branch	106 E John St	Jefferson	WI
ENTERPRISE Main Main Branch	15850 W Bluemound Rd	Brookfield	WI
ADVIA Beloit - Cranston Beloit - Cranston Branch	1982 Cranston Rd	Beloit	WI
SHEBOYGAN AREA Sheboygan Area Credit Union Sheboygan Area Credit Union Branch	1707 Indiana Ave	Sheboygan	WI
ST. MARY'S & AFFILIATES St. Mary's & Affiliates Cu St. Mary's & Affiliates Cu Branch	700 S PARK ST	MADISON	WI
PARK CITY Merrill Merrill Branch	300 E 2nd St	Merrill	WI
GUARDIAN Guardian Credit Union-west Milwaukee Office Guardian Credit Union-west Milwaukee Office Branch	4501 W Greenfield Ave	West 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

Credit Union Certificates of Deposit 2025

Credit union certificates of deposit (“CDs”, also commonly called “time deposits” at credit unions) are contract-based and time-based savings vehicles that are offered by credit unions. In return for agreeing to keep your money tied up with the credit union for a given time period, you earn a fixed rate or return that cannot change over the course of that period. Should you need your money before the expiration of the contractual period, the penalties for early withdrawal can be severe. Not all credit unions even offer early withdrawal from CDs; many that do offer it maintain the right to deny it in their fine print. It therefore is important to fully understand the terms of any time-based deposit that you enter with a credit union. Read this article for further detail on early withdrawal penalties.

Many Americans enjoy performing their banking transactions with credit unions, citing better rates, non-profit status (owned by its depositors), more helpful employees, and a commitment to the community that is above the level offered by local banks. You will find a map with all credit unions that are close to you here. It is important to note that some credit unions have limited fields of membership, although others are more open ended. Under any circumstance, you must meet the membership requirements in order to become a member and open a CD or time deposit.

Those who are willing to tie up their money for one year will often get a slight premium over the best available savings rates. People who work with credit unions may find that they offer better rates on CDs or time deposits than local banks and online banks. You however should check the local bank rates where you live here and the online rates here.

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

NCUA Insurance

Most, but not all, credit unions listed on BestCashCow are insured by the National Credit Union Administration (NCUA). You should confirm that the credit union that you are working with is NCUA-insured by visiting that institution’s BestCashCow page (NCUA coverage is detailed on the overview tab). The NCUA insures each named individual's deposits to $250,000 for all accounts at the credit union within ownership class. The rules are very similar, but not identical, to those for FDIC insurance. You should always stay within NCUA insurance limits.

BestCashCow strongly recommends that you deposit money only in NCUA insured credit unions and that you stay within insured limits. If you are considering depositing over $250,000 at a single NCUA-insured credit union across products (share certificates, time deposits, etc.) or across types of ownership (individual, joint, etc.) you should use the NCUA’s Share Insurance Toolkit in order to be sure that you are not exceeding coverage limits.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Is there any difference between a time deposit offered by a credit union and a CD account offered by a bank?

The difference is mainly one of terminology. But, you should always completely understand the terms of a time deposit or CD before you enter it, paying careful attention to the early withdrawal penalties. A reasonable early withdrawal penalty for a 1-year CD or time deposit is 3 months, and a reasonable early withdrawal penalty for a longer term CD is 6 months.

Does the small amount of interest gained on a time deposit make sense given the fact that I am losing access to my capital (liquidity)?

This is a decision that depends on your own specific circumstances, your needs for cash, and other investments that you may wish to pursue over the period of your time deposit or CD. The premium in a one-year CD is very small, with the premium of longer-term CDs being a little wider. A small difference in compounding interest can make a large difference over long period of time. You may wish to familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your money over time.

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Credit Union CD Rates – 4-Year – Monona, Wisconsin

Branches Info around zip 10116

PRODUCT INFORMATION

Credit Union Certificates of Deposit 2025

NCUA Insurance

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

Is there any difference between a time deposit offered by a credit union and a CD account offered by a bank?

Does the small amount of interest gained on a time deposit make sense given the fact that I am losing access to my capital (liquidity)?

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