Credit Union CD Rates Wisconsin 2023

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 - April 1, 2023

1 Year CD National Average : 0.44% ^?

Credit Unions	APY	MIN	MILES ^?
Quorum Restrictions	5.00%	$1,000	-	Learn More Reviews (1)
Connexus Restrictions	4.86%	$5,000	-	Learn More Reviews (7)
Pentagon Restrictions	4.46%	$1,000	-	Learn More Reviews (12)
Trustone Financial Restrictions	1.75%	$500	-	Learn More Reviews (2)
Cone Restrictions	1.00%	$10,000	-	Learn More Reviews
Pcm Restrictions	1.00%	$10,000	-	Learn More Reviews
Community First Restrictions	1.00%	$1,000	-	Learn More Reviews (1)
First Choice Restrictions	0.91%	$10,000	-	Learn More Reviews
Members' Advantage Restrictions	0.90%	$10,000	-	Learn More Reviews
Valley Communities Restrictions	0.90%	$10,000	-	Learn More Reviews (5)
Service Restrictions	0.85%	$10,000	-	Learn More Reviews (1)
Capital Restrictions	0.85%	$10,000	-	Learn More Reviews
Schneider Community Restrictions	0.85%	$10,000	-	Learn More Reviews
Oakdale Restrictions	0.85%	$10,000	-	Learn More Reviews
Tomah Area Restrictions	0.80%	$100	-	Learn More Reviews
Superior Choice Restrictions	0.80%	$100,000	-	Learn More Reviews
Fox Communities Restrictions	0.80%	$2,000	-	Learn More Reviews (1)
Covantage Restrictions	0.80%	$1,000	-	Learn More Reviews
1st Community Restrictions	0.80%	$1,000	-	Learn More Reviews
Winnebago Community Restrictions	0.80%	$10,000	-	Learn More Reviews
Health Care	0.80%	$10,000	-	Learn More Reviews
Iron County Community	0.75%	$10,000	-	Learn More Reviews
Meadowland	0.75%	$10,000	-	Learn More Reviews (1)
Westby Co-op Restrictions	0.75%	$10,000	-	Learn More Reviews
Cloverbelt Restrictions	0.75%	$10,000	-	Learn More Reviews
Indianhead Restrictions	0.70%	$10,000	-	Learn More Reviews
Central Wisconsin Restrictions	0.70%	$40,000	-	Learn More Reviews
Co-op Restrictions	0.70%	$10,000	-	Learn More Reviews
R.i.a. Restrictions	0.70%	$10,000	-	Learn More Reviews
Evergreen	0.70%	$1,000	-	Learn More Reviews
Superior Choice Restrictions	0.65%	$10,000	-	Learn More Reviews
Arcadia Restrictions	0.65%	$100,000	-	Learn More Reviews
Unitedone Restrictions	0.65%	$100,000	-	Learn More Reviews
Shipbuilders Restrictions	0.65%	$10,000	-	Learn More Reviews
Centricity	0.60%	$10,000	-	Learn More Reviews
Thrivent Restrictions	0.60%	$10,000	-	Learn More Reviews
Royal Restrictions	0.60%	$10,000	-	Learn More Reviews
Arcadia Restrictions	0.60%	$10,000	-	Learn More Reviews
Kohler Restrictions	0.60%	$100,000	-	Learn More Reviews
Dupaco Community Restrictions	0.60%	$10,000	-	Learn More Reviews
Firefighters Restrictions	0.60%	$10,000	-	Learn More Reviews
Simplicity Restrictions	0.60%	$500	-	Learn More Reviews
Empower Restrictions	0.60%	$10,000	-	Learn More Reviews
Shoreline Restrictions	0.59%	$10,000	-	Learn More Reviews
Blackhawk Community Restrictions	0.57%	$10,000	-	Learn More Reviews (2)
Central Wisconsin Restrictions	0.55%	$1,000	-	Learn More Reviews
Marine Restrictions	0.55%	$100,000	-	Learn More Reviews
Unitedone Restrictions	0.55%	$10,000	-	Learn More Reviews
Kohler Restrictions	0.55%	$10,000	-	Learn More Reviews
Dane County Restrictions	0.55%	$100,000	-	Learn More Reviews
Tri-county Restrictions	0.55%	$100,000	-	Learn More Reviews
Bay Shore Restrictions	0.55%	$10,000	-	Learn More Reviews
Brewery	0.55%	$10,000	-	Learn More Reviews
Badger-globe Restrictions	0.55%	$10,000	-	Learn More Reviews
Marshfield Medical Center Restrictions	0.55%	$10,000	-	Learn More Reviews
Appletree Restrictions	0.54%	$10,000	-	Learn More Reviews
Wisconsin Medical	0.50%	$10,000	-	Learn More Reviews
Fond Du Lac Restrictions	0.50%	$10,000	-	Learn More Reviews
Marine Restrictions	0.50%	$1,000	-	Learn More Reviews
Westconsin Restrictions	0.50%	$10,000	-	Learn More Reviews
Landmark Restrictions	0.50%	$10,000	-	Learn More Reviews
Members First	0.50%	$10,000	-	Learn More Reviews
Glacier Hills Restrictions	0.50%	$10,000	-	Learn More Reviews (1)
Ripco Restrictions	0.50%	$10,000	-	Learn More Reviews
Southern Lakes Restrictions	0.50%	$10,000	-	Learn More Reviews
Educators Restrictions	0.50%	$10,000	-	Learn More Reviews
Altra Restrictions	0.50%	$10,000	-	Learn More Reviews
Dairyland Power	0.50%	$10,000	-	Learn More Reviews
Tri-county Restrictions	0.45%	$10,000	-	Learn More Reviews
Dane County Restrictions	0.45%	$10,000	-	Learn More Reviews
Madison	0.45%	$10,000	-	Learn More Reviews
N.e.w. Restrictions	0.45%	$10,000	-	Learn More Reviews
Unison Restrictions	0.45%	$500	-	Learn More Reviews
Prospera Restrictions	0.45%	$10,000	-	Learn More Reviews
Northwestern Mutual Restrictions	0.40%	$1,000	-	Learn More Reviews
Premier Financial Restrictions	0.35%	$10,000	-	Learn More Reviews
Summit Restrictions	0.35%	$10,000	-	Learn More Reviews
Heartland Restrictions	0.35%	$10,000	-	Learn More Reviews
Fort Community Restrictions	0.35%	$10,000	-	Learn More Reviews
Brokaw Restrictions	0.35%	$10,000	-	Learn More Reviews
Oshkosh Community Restrictions	0.35%	$10,000	-	Learn More Reviews
Sentry Restrictions	0.30%	$10,000	-	Learn More Reviews
Northwoods Community Restrictions	0.30%	$100,000	-	Learn More Reviews
Hayward Community Restrictions	0.30%	$100,000	-	Learn More Reviews
University Of Wisconsin Restrictions	0.30%	$10,000	-	Learn More Reviews
Verve, A Credit Union Restrictions	0.30%	$1,000	-	Learn More Reviews
Prime Financial Restrictions	0.30%	$10,000	-	Learn More Reviews
Northwoods Community Restrictions	0.25%	$10,000	-	Learn More Reviews
Post Office Restrictions	0.25%	$10,000	-	Learn More Reviews
St. Mary's & Affiliates Restrictions	0.25%	$10,000	-	Learn More Reviews
Park City Restrictions	0.25%	$10,000	-	Learn More Reviews
Public Service	0.25%	$10,000	-	Learn More Reviews
Focus Restrictions	0.25%	$10,000	-	Learn More Reviews
Wea	0.20%	$10,000	-	Learn More Reviews
Hayward Community Restrictions	0.20%	$10,000	-	Learn More Reviews
Heritage Restrictions	0.20%	$10,000	-	Learn More Reviews
First Community Cu Of Beloit Restrictions	0.20%	$10,000	-	Learn More Reviews
County - City	0.20%	$10,000	-	Learn More Reviews
Advia Restrictions	0.20%	$10,000	-	Learn More Reviews (2)
Mcu Financial Center	0.20%	$10,000	-	Learn More Reviews
Nekoosa	0.20%	$10,000	-	Learn More Reviews
OHIO CATHOLIC FCU Restrictions	0.15%	$100,000	-	Learn More Reviews
Edu Restrictions	0.10%	$500	-	Learn More Reviews
OHIO CATHOLIC FCU Restrictions	0.10%	$500	-	Learn More Reviews
Sheboygan Area Restrictions	0.10%	$10,000	-	Learn More Reviews
Enterprise Restrictions	0.10%	$10,000	-	Learn More Reviews
Guardian Restrictions	0.05%	$10,000	-	Learn More Reviews

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 2023

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.