Wisconsin

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Credit Union CD Rates Wisconsin

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 - July 30, 2025

1 Year CD National Average : 0.55% ?

Credit Unions APY MIN MILES ?

| Sep 27, 2016

why have you not updated your rates Read More

Rate History: 4.40% → 4.30% → 4.40% → 4.35% → 4.30%

Rate History: 3.75% → 4.20% → 4.05% → 3.80% → 3.85%

| 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

Rate History: 5.40% → 3.95% → 3.80%

Rate History: 4.50% → 4.00% → 3.80% → 3.65% → 3.40%

| 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

Rate History: 2.05% → 4.05% → 3.55% → 3.35%

Rate History: 5.30% → 2.53% → 5.00% → 4.50% → 3.00%

| 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

Rate History: 5.00% → 4.60% → 4.35% → 4.20% → 2.80%

| 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

Rate History: 5.00% → 12.00%

| 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

Rate History: 5.25% → 4.61% → 3.86% → 3.52% → 2.60%

| 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

Rate History: 2.25% → 5.25% → 2.25%

Rate History: 0.70% → 1.40% → 2.25%

Rate History: 4.76% → 4.24% → 3.98% → 3.52% → 2.18%

| 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

Rate History: 3.50% → 4.00% → 3.70% → 3.60% → 1.65%

1.00%

$10,000

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1.00%

$10,000

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0.91%

$10,000

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0.90%

$10,000

-

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| Mar 18, 2021

Great rates on auto, RV and winter/summer toy loans, flexible payment options, Read More

| Jun 5, 2019

Hi who can join? Read More

0.85%

$10,000

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0.85%

$10,000

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0.85%

$10,000

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0.80%

$100

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| Oct 13, 2022

Manager at WI Ave was disrespectful with pompous attitude. BEWARE! Read More

0.80%

$1,000

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0.80%

$10,000

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0.80%

$10,000

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0.75%

$10,000

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| 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

0.75%

$10,000

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0.75%

$10,000

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0.70%

$10,000

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0.70%

$40,000

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0.70%

$10,000

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0.70%

$10,000

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0.70%

$1,000

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0.65%

$100,000

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0.65%

$100,000

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0.65%

$10,000

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0.60%

$10,000

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0.60%

$10,000

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0.60%

$10,000

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0.60%

$100,000

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0.60%

$10,000

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0.60%

$10,000

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0.60%

$500

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0.60%

$10,000

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0.59%

$10,000

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| Apr 17, 2021

They treat people awful! Read More

0.55%

$1,000

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0.55%

$100,000

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0.55%

$10,000

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0.55%

$10,000

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0.55%

$100,000

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0.55%

$100,000

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0.55%

$10,000

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0.55%

$10,000

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0.55%

$10,000

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0.55%

$10,000

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0.54%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$1,000

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0.50%

$10,000

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0.50%

$10,000

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| 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

0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.45%

$10,000

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0.45%

$10,000

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0.45%

$10,000

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0.45%

$10,000

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0.45%

$500

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0.45%

$10,000

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0.40%

$1,000

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0.35%

$10,000

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0.35%

$10,000

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0.35%

$10,000

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0.35%

$10,000

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0.35%

$10,000

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0.30%

$10,000

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| 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

0.30%

$100,000

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0.30%

$100,000

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0.30%

$1,000

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0.30%

$10,000

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0.25%

$10,000

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0.25%

$10,000

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0.25%

$10,000

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0.25%

$10,000

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0.25%

$10,000

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0.25%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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| 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

0.20%

$10,000

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0.20%

$10,000

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Edu


Restrictions

0.10%

$500

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0.10%

$10,000

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0.10%

$10,000

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0.05%

$10,000

-

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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
LANDMARK
Landmark Landmark Branch
5445 S Westridge DR New Berlin WI
COVANTAGE
Covantage Covantage Branch
723 SIXTH AVENUE ANTIGO WI
COMMUNITY FIRST
Community First Community First Branch
2626 S Oneida Street Appleton WI
UNIVERSITY OF WISCONSIN
University Of Wiscon University Of Wiscon Branch
3500 University Ave Madison WI
UNIVERSITY OF WISCONSIN
University Of Wiscon University Of Wiscon Branch
3500 University Ave Madison WI
UNIVERSITY OF WISCONSIN
University Of Wiscon University Of Wiscon Branch
3500 University Ave Madison WI
SUPERIOR CHOICE
Superior Choice Superior Choice Branch
2817 Tower Avenue Superior WI
TRUSTONE FINANCIAL
Oak Creek Oak Creek Branch
2121 E Rawson Ave Oak Creek WI
CONNEXUS
Connexus Connexus Branch
2600 Pine Ridge Blvd Wausau WI
CONNEXUS
Connexus Connexus Branch
2600 Pine Ridge Blvd Wausau WI
ROYAL
Flynn Elementary Rcu Flynn Elementary Rcu Branch
1430 Lee St Eau Claire WI
SUMMIT
Verona Mortgage Loan Branch Verona Mortgage Loan Branch
202 E Verona Ave Verona WI
SUMMIT
Verona Mortgage Loan Branch Verona Mortgage Loan Branch
202 E Verona Ave Verona WI
CONE
Cone Cone Branch
211 WALNUT ST. NEENAH WI
PCM
P. C. M. Employees P. C. M. Employees Branch
781 Willard Drive Green Bay WI
FIRST CHOICE
First Choice First Choice Branch
1614 E 4TH MARSHFIELD WI
MEMBERS' ADVANTAGE
Members' Advantage Members' Advantage Branch
1610 Lincoln St Wisconsin Rapid WI
VALLEY COMMUNITIES
Valley Communities Valley Communities Branch
1105 Western Ave Mosinee WI
SERVICE
Main Office Main Office Branch
600 N Adams St Green Bay WI
CAPITAL
Velp Avenue Velp Avenue Branch
1065 Velp Ave Green Bay WI
SCHNEIDER COMMUNITY
Schneider Community Schneider Community Branch
2655 Holmgren Way Green Bay WI
OAKDALE
Oakdale Oakdale Branch
128 E Badger Dr Tomah WI
TOMAH AREA
Tomah Area Tomah Area Branch
940 N SUPERIOR AVE TOMAH WI
FOX COMMUNITIES
Fox Communities Fox Communities Branch
3401 E. Calumet Street Appleton WI
1ST COMMUNITY
1st Community 1st Community Branch
1000 W. Wisconsin Street Sparta WI
WINNEBAGO COMMUNITY
Winnebago Community Winnebago Community Branch
567 E Snell Road Oshkosh WI
RIPPLE
Health Care Health Care Branch
600 South Main Street Oshkosh WI
IRON COUNTY COMMUNITY
Iron County Communit Iron County Communit Branch
5702 W. US Hwy 2 Hurley WI
MEADOWLAND
Meadowland Meadowland Branch
800 Old County Road PP Sheboygan Falls WI
WESTBY CO-OP
Westby Co-op Westby Co-op Branch
501 N MAIN ST WESTBY WI
CLOVERBELT
Cloverbelt Cloverbelt Branch
110 McIndoe Street Wausau WI
INDIANHEAD
Indianhead Indianhead Branch
104 E MAPLE STREET SPOONER WI
CENTRAL WISCONSIN
Stevens Point Stevens Point Branch
2201 Division St Stevens Point WI
CO-OP
Co-op Co-op Branch
100 E Main St Black River Fal WI
R.I.A.
R.i.a. R.i.a. Branch
2105 S 8th Ave, Ft McCoy Sparta WI
EVERGREEN
Evergreen Evergreen Branch
1500 W American Dr Neenah WI
ARCADIA
Arcadia Arcadia Branch
535 South Dettloff Drive Arcadia WI
UNITEDONE
Menasha Ave Branch Menasha Ave Branch
2401 Menasha Ave Manitowoc WI
SHIPBUILDERS
Shipbuilders Shipbuilders Branch
2001 WASHINGTON STREET MANITOWOC WI
THRIVENT
Tfcu - Appleton Branch Tfcu - Appleton Branch
4321 N Ballard Rd Appleton WI
ARCADIA
Arcadia Arcadia Branch
535 South Dettloff Drive Arcadia WI
KOHLER
Kohler Kohler Branch
850 Woodlake Road Kohler WI
DUPACO COMMUNITY
Dupaco Community Dupaco Community Branch
1100 E. Business Hwy 151 Platteville WI
FIREFIGHTERS
Firefighters Firefighters Branch
525 5th Avenue S La Crosse WI
SIMPLICITY
Central City Central City Branch
222 E UPHAM STREET MARSHFIELD WI
EMPOWER
Empower Empower Branch
231 W Michigan St, P258 Milwaukee WI
SHORELINE
Shoreline Shoreline Branch
2848 Memorial Dr Two Rivers WI
BLACKHAWK COMMUNITY
Blackhawk Community Blackhawk Community Branch
2640 w Court Street Janesville WI
CENTRAL WISCONSIN
Stevens Point Stevens Point Branch
2201 Division St Stevens Point WI
MARINE
Marine Marine Branch
201 Wisconsin American Dr Fond du Lac WI
UNITEDONE
Menasha Ave Branch Menasha Ave Branch
2401 Menasha Ave Manitowoc WI
KOHLER
Kohler Kohler Branch
850 Woodlake Road Kohler WI
DANE COUNTY
Dane County Dane County Branch
2160 Rimrock Rd Madison WI
TRI-COUNTY
Tri-county Tri-county Branch
231 Van Cleve Avenue Marinette WI
BAY SHORE
Bay Shore Bay Shore Branch
1514 Cleveland Ave. Marinette WI
BREWERY
Brewery Brewery Branch
1351 NORTH DR.MARTIN LUTHER KING, J MILWAUKEE WI
BADGER-GLOBE
Badger-globe Badger-globe Branch
260 N Green Bay rd Neenah WI
MARSHFIELD MEDICAL CENTER
Marshfield Medical C Marshfield Medical C Branch
302 W UPHAM STREET MARSHFIELD WI
APPLETREE
Appletree Appletree Branch
11333 W. Greenfield West Allis WI
WISCONSIN MEDICAL
Wisconsin Medical Wisconsin Medical Branch
2221 S Webster Ave Green Bay WI
FOND DU LAC
Fond Du Lac Fond Du Lac Branch
91 N Pioneer Rd Fond du Lac WI
MARINE
Marine Marine Branch
201 Wisconsin American Dr Fond du Lac WI
WESTCONSIN
Westconsin Westconsin Branch
3333 SCHNEIDER AVE SE MENOMONIE WI
MEMBERS FIRST
Members First Members First Branch
2801 W Beltline Hwy Madison WI
GLACIER HILLS
Glacier Hills Glacier Hills Branch
2150 S Main St West Bend WI
RIPCO
Ripco Ripco Branch
121 Sutliff Ave Rhinelander WI
SOUTHERN LAKES
Southern Lakes Southern Lakes Branch
3000 80th Street Kenosha WI
EDUCATORS
Educators Credit Union - New Berlin Educators Credit Union - New Berlin Branch
15350 W Howard Ave New Berlin WI
ALTRA
Altra Altra Branch
2715 Losey Blvd South La Crosse WI
DAIRYLAND POWER
Dairyland Power Dairyland Power Branch
3200 East Avenue South La Crosse WI
TRI-COUNTY
Tri-county Tri-county Branch
231 Van Cleve Avenue Marinette WI
DANE COUNTY
Dane County Dane County Branch
2160 Rimrock Rd Madison WI
MADISON
Madison Madison Branch
949 E Washington Ave Madison WI
N.E.W.
N.e.w. N.e.w. Branch
301 Jackson St. Oconto Falls WI
UNISON
Unison Unison Branch
1616 Crooks Ave Kaukauna WI
PROSPERA
Prospera Prospera Branch
4830 N Ballard Rd Appleton WI
NORTHWESTERN MUTUAL
Northwestern Mutual Northwestern Mutual Branch
720 E Wisconsin Avenue Milwaukee WI
PREMIER FINANCIAL
Premier Financial Premier Financial Branch
2017 Main Street New Holstein WI
HEARTLAND
Heartland Heartland Branch
5325 High Crossing Blvd Madison WI
FORT COMMUNITY
Fort Community Fort Community Branch
800 Madison Avenue Fort Atkinson WI
BROKAW
Brokaw Brokaw Branch
2006 SCHOFIELD AVE WESTON WI
OSHKOSH COMMUNITY
Oshkosh Community Oshkosh Community Branch
250 PEARL AVENUE OSHKOSH WI
SENTRY
Sentry Sentry Branch
1800 North Point Drive Stevens Point WI
NORTHWOODS COMMUNITY
Northwoods Community Northwoods Community Branch
1224 South 4th Avenue Park Falls WI
HAYWARD COMMUNITY
Hayward Community Hayward Community Branch
15855 US Hwy 63 Hayward WI
VERVE, A CREDIT UNION
Citizensfirst Citizensfirst Branch
250 N Sawyer St Oshkosh WI
PRIME FINANCIAL
Prime Financial Prime Financial Branch
5656 S. Packard Avenue Cudahy WI
NORTHWOODS COMMUNITY
Northwoods Community Northwoods Community Branch
1224 South 4th Avenue Park Falls WI
POST OFFICE
Post Office Post Office Branch
151 W. Corporate Dr Madison WI
ST. MARY'S & AFFILIATES
St. Mary's & Affilia St. Mary's & Affilia Branch
700 S PARK ST MADISON WI
PARK CITY
Park City Park City Branch
300 EAST SECOND STREET MERRILL WI
PUBLIC SERVICE
Public Service Public Service Branch
1700 Sherman Stree Wausau WI
FOCUS
Focus Focus Branch
3180 N. 124th Street, Suite A Wauwatosa WI
WEA
Wea Wea Branch
33 Nob Hill Rd Madison WI
HAYWARD COMMUNITY
Hayward Community Hayward Community Branch
15855 US Hwy 63 Hayward WI
HERITAGE
Branch - Ladysmith Wi Branch - Ladysmith Wi
HERITAGE CREDIT UNION LADYSMITH WI
FIRST COMMUNITY CU OF BELOIT
First Community Cu O First Community Cu O Branch
1702 Park Ave Beloit WI
COUNTY - CITY
County - City County - City Branch
106 East John Street Jefferson WI
ADVIA
Beloit - Cranston Beloit - Cranston Branch
1982 Cranston Rd Beloit WI
MCU FINANCIAL CENTER
Mcu Financial Center Mcu Financial Center Branch
1462 South Green Bay Rd Racine WI
NEKOOSA
Nekoosa Nekoosa Branch
115 Prospect Avenue Nekoosa WI
SHEBOYGAN AREA
Sheboygan Area Credit Union Sheboygan Area Credit Union Branch
1707 Indiana Ave Sheboygan WI
ENTERPRISE
Enterprise Enterprise Branch
15850 W Bluemound Rd Brookfield WI
GUARDIAN
Guardian Guardian Branch
4501 W Greenfield Ave West Milwaukee WI


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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