Best Credit Union CD Rates in Wisconsin, WI

You are viewing rates from credit unions across Wisconsin

Below are the best one year CD Rates from credit unions in Wisconsin. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts.

WI - June 16, 2025

1 Year CD National Average : 0.55% ^?

Credit Unions	APY	MIN	MILES ^?
Self-help Restrictions	4.60%	$500	-	Learn More
northcape5 \| Sep 27, 2016 why have you not updated your rates Read More Reviews (1)
Landmark Restrictions	4.30%	$500	-	Learn More Add Review
Rate History: 4.40% → 4.30% → 4.40% → 4.35% → 4.30%
Trustone Financial	4.00%	$500	-	Learn More Add Review
Covantage Restrictions	4.00%	$1,000	-	Learn More Add Review
Community First Restrictions	3.85%	$1,000	-	Learn More
Rate History: 3.75% → 4.20% → 4.05% → 3.80% → 3.85%
pmm \| Feb 12, 2022 Community First CU does NOT offer online Principal Payments on loans. CFCU online services are 20 years behind the industry. Online Principal payments are offered at Credit unions. Avoid Community First Cr... Read More Reviews (1)
Wings Financial Restrictions	3.80% 1.66% 1.56%	$500 $250,000 $10,000	-	Learn More Add Review
Rate History: 5.40% → 3.95% → 3.80%
Pentagon Restrictions	3.40%	$1,000	-	Learn More
Rate History: 4.50% → 4.00% → 3.80% → 3.65% → 3.40%
Rob \| Dec 25, 2023 I joined in PENFED in Spring Of 2023 after 15 yrs of belonging to one of the banking giants. I found my accounts dwindling fast unexplained decreases. I decided to close the account but had to return a mer... Read More Reviews (15)
University Of Wisconsin Restrictions	3.35% 3.30% 3.25%	$250,000 $10,000 $500	-	Learn More Add Review
Rate History: 2.05% → 4.05% → 3.55% → 3.35%
Superior Choice Restrictions	3.00%	$500	-	Learn More
Rate History: 5.30% → 2.53% → 5.00% → 4.50% → 3.00%
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)
Magnifi Financial Restrictions	2.80% 2.75% 2.70% 2.65% 2.60%	$150,000 $100,000 $50,000 $25,000 $500	-	Learn More Add Review
Rate History: 5.00% → 4.60% → 4.35% → 4.20% → 2.80%
Trustone Financial Restrictions	2.75%	$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)
Quorum Restrictions	2.60%	$1,000	-	Learn More
Rate History: 5.00% → 12.00%
Sharon \| Sep 20, 2023 Have been a member for 15 years and love everything about them: have a HighQ account, and QClassic checking and had a mortgage with them, too. Read More Reviews (2)
Connexus Restrictions	2.60% 2.50%	$100,000 $5,000	-	Learn More
Rate History: 5.25% → 4.61% → 3.86% → 3.52% → 2.60%
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)
Royal Restrictions	2.25%	$0	-	Learn More Add Review
Rate History: 2.25% → 5.25% → 2.25%
Summit Restrictions	2.25% 1.25%	$500 $250	-	Learn More Add Review
Rate History: 0.70% → 1.40% → 2.25%
Baxter Restrictions	1.65%	$500	-	Learn More Add Review
Rate History: 3.50% → 4.00% → 3.70% → 3.60% → 1.65%
Cone Restrictions	1.00%	$10,000	-	Learn More Add Review
Pcm Restrictions	1.00%	$10,000	-	Learn More Add Review
First Choice Restrictions	0.91%	$10,000	-	Learn More Add Review
Members' Advantage Restrictions	0.90%	$10,000	-	Learn More Add Review
Valley Communities Restrictions	0.90%	$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)
Service Restrictions	0.85%	$10,000	-	Learn More
Glenn \| Jun 5, 2019 Hi who can join? Read More Reviews (1)
Capital Restrictions	0.85%	$10,000	-	Learn More Add Review
Schneider Community Restrictions	0.85%	$10,000	-	Learn More Add Review
Oakdale Restrictions	0.85%	$10,000	-	Learn More Add Review
Tomah Area Restrictions	0.80%	$100	-	Learn More Add Review
Fox Communities Restrictions	0.80%	$2,000	-	Learn More
Cpfeffer43@gmail.com \| Oct 13, 2022 Manager at WI Ave was disrespectful with pompous attitude. BEWARE! Read More Reviews (1)
1st Community Restrictions	0.80%	$1,000	-	Learn More Add Review
Winnebago Community Restrictions	0.80%	$10,000	-	Learn More Add Review
Health Care	0.80%	$10,000	-	Learn More Add Review
Iron County Community	0.75%	$10,000	-	Learn More Add Review
Meadowland	0.75%	$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)
Westby Co-op Restrictions	0.75%	$10,000	-	Learn More Add Review
Cloverbelt Restrictions	0.75%	$10,000	-	Learn More Add Review
Indianhead Restrictions	0.70%	$10,000	-	Learn More Add Review
Central Wisconsin Restrictions	0.70%	$40,000	-	Learn More Add Review
Co-op Restrictions	0.70%	$10,000	-	Learn More Add Review
R.i.a. Restrictions	0.70%	$10,000	-	Learn More Add Review
Evergreen	0.70%	$1,000	-	Learn More Add Review
Arcadia Restrictions	0.65%	$100,000	-	Learn More Add Review
Unitedone Restrictions	0.65%	$100,000	-	Learn More Add Review
Shipbuilders Restrictions	0.65%	$10,000	-	Learn More Add Review
Centricity	0.60%	$10,000	-	Learn More Add Review
Thrivent Restrictions	0.60%	$10,000	-	Learn More Add Review
Arcadia Restrictions	0.60%	$10,000	-	Learn More Add Review
Kohler Restrictions	0.60%	$100,000	-	Learn More Add Review
Dupaco Community Restrictions	0.60%	$10,000	-	Learn More Add Review
Firefighters Restrictions	0.60%	$10,000	-	Learn More Add Review
Simplicity Restrictions	0.60%	$500	-	Learn More Add Review
Empower Restrictions	0.60%	$10,000	-	Learn More Add Review
Shoreline Restrictions	0.59%	$10,000	-	Learn More Add Review
Blackhawk Community Restrictions	0.57%	$10,000	-	Learn More
Guest \| Apr 17, 2021 They treat people awful! Read More Reviews (2)
Central Wisconsin Restrictions	0.55%	$1,000	-	Learn More Add Review
Marine Restrictions	0.55%	$100,000	-	Learn More Add Review
Unitedone Restrictions	0.55%	$10,000	-	Learn More Add Review
Kohler Restrictions	0.55%	$10,000	-	Learn More Add Review
Dane County Restrictions	0.55%	$100,000	-	Learn More Add Review
Tri-county Restrictions	0.55%	$100,000	-	Learn More Add Review
Bay Shore Restrictions	0.55%	$10,000	-	Learn More Add Review
Brewery	0.55%	$10,000	-	Learn More Add Review
Badger-globe Restrictions	0.55%	$10,000	-	Learn More Add Review
Marshfield Medical Center Restrictions	0.55%	$10,000	-	Learn More Add Review
Appletree Restrictions	0.54%	$10,000	-	Learn More Add Review
Wisconsin Medical	0.50%	$10,000	-	Learn More Add Review
Fond Du Lac Restrictions	0.50%	$10,000	-	Learn More Add Review
Marine Restrictions	0.50%	$1,000	-	Learn More Add Review
Westconsin Restrictions	0.50%	$10,000	-	Learn More Add Review
Members First	0.50%	$10,000	-	Learn More Add Review
Glacier Hills Restrictions	0.50%	$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)
Ripco Restrictions	0.50%	$10,000	-	Learn More Add Review
Southern Lakes Restrictions	0.50%	$10,000	-	Learn More Add Review
Educators Restrictions	0.50%	$10,000	-	Learn More Add Review
Altra Restrictions	0.50%	$10,000	-	Learn More Add Review
Dairyland Power	0.50%	$10,000	-	Learn More Add Review
Tri-county Restrictions	0.45%	$10,000	-	Learn More Add Review
Dane County Restrictions	0.45%	$10,000	-	Learn More Add Review
Madison	0.45%	$10,000	-	Learn More Add Review
N.e.w. Restrictions	0.45%	$10,000	-	Learn More Add Review
Unison Restrictions	0.45%	$500	-	Learn More Add Review
Prospera Restrictions	0.45%	$10,000	-	Learn More Add Review
Northwestern Mutual Restrictions	0.40%	$1,000	-	Learn More Add Review
Premier Financial Restrictions	0.35%	$10,000	-	Learn More Add Review
Heartland Restrictions	0.35%	$10,000	-	Learn More Add Review
Fort Community Restrictions	0.35%	$10,000	-	Learn More Add Review
Brokaw Restrictions	0.35%	$10,000	-	Learn More Add Review
Oshkosh Community Restrictions	0.35%	$10,000	-	Learn More Add Review
Sentry Restrictions	0.30%	$10,000	-	Learn More Add Review
Greenstate Restrictions	0.30%	$500	-	Learn More
Slynyrd \| Nov 11, 2022 It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More Reviews (2)
Northwoods Community Restrictions	0.30%	$100,000	-	Learn More Add Review
Hayward Community Restrictions	0.30%	$100,000	-	Learn More Add Review
Verve, A Credit Union Restrictions	0.30%	$1,000	-	Learn More Add Review
Prime Financial Restrictions	0.30%	$10,000	-	Learn More Add Review
Northwoods Community Restrictions	0.25%	$10,000	-	Learn More Add Review
Post Office Restrictions	0.25%	$10,000	-	Learn More Add Review
St. Mary's & Affiliates Restrictions	0.25%	$10,000	-	Learn More Add Review
Park City Restrictions	0.25%	$10,000	-	Learn More Add Review
Public Service	0.25%	$10,000	-	Learn More Add Review
Focus Restrictions	0.25%	$10,000	-	Learn More Add Review
Wea	0.20%	$10,000	-	Learn More Add Review
Hayward Community Restrictions	0.20%	$10,000	-	Learn More Add Review
Heritage Restrictions	0.20%	$10,000	-	Learn More Add Review
First Community Cu Of Beloit Restrictions	0.20%	$10,000	-	Learn More Add Review
County - City	0.20%	$10,000	-	Learn More Add Review
Advia Restrictions	0.20%	$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)
Mcu Financial Center	0.20%	$10,000	-	Learn More Add Review
Nekoosa	0.20%	$10,000	-	Learn More Add Review
Edu Restrictions	0.10%	$500	-	Learn More Add Review
Sheboygan Area Restrictions	0.10%	$10,000	-	Learn More Add Review
Enterprise Restrictions	0.10%	$10,000	-	Learn More Add Review
Guardian 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.

See rates for Online Banks →

See rates for Local Banks →

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

PRODUCT INFORMATION

Credit Union One-Year 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 (in the case of 1-year CDs, the period is obviously 1-year), 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, and many that do maintain the right to deny it in their terms and conditions. It therefore is important to fully understand the terms of any time-based deposit that you enter with a credit union.

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 1-year 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 time deposit is 3 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 next 12 months (or the period of your time deposit or CD). The premium in a one-year CD is very small, however, 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.

SAVINGS & CD CALCULATOR

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Credit Union CD Rates Wisconsin

PRODUCT INFORMATION

Credit Union One-Year 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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