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 - July 30, 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 Landmark Branch 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 Covantage Branch Restrictions	4.00%	$1,000	-	Learn More Add Review
Community First Community First Branch 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 University Of Wiscon Branch 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 Superior Choice Branch 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 Oak Creek Branch 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 Connexus Branch 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 Flynn Elementary Rcu Branch Restrictions	2.25%	$0	-	Learn More Add Review
Rate History: 2.25% → 5.25% → 2.25%
Summit Verona Mortgage Loan Branch Restrictions	2.25% 1.25%	$500 $250	-	Learn More Add Review
Rate History: 0.70% → 1.40% → 2.25%
Department of Commerce Restrictions	2.18%	$500	-	Learn More
Rate History: 4.76% → 4.24% → 3.98% → 3.52% → 2.18%
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)
Baxter Restrictions	1.65%	$500	-	Learn More Add Review
Rate History: 3.50% → 4.00% → 3.70% → 3.60% → 1.65%
Cone Cone Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
Pcm P. C. M. Employees Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
First Choice First Choice Branch Restrictions	0.91%	$10,000	-	Learn More Add Review
Members' Advantage Members' Advantage Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
Valley Communities Valley Communities Branch 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 Main Office Branch Restrictions	0.85%	$10,000	-	Learn More
Glenn \| Jun 5, 2019 Hi who can join? Read More Reviews (1)
Capital Velp Avenue Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
Schneider Community Schneider Community Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
Oakdale Oakdale Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
Tomah Area Tomah Area Branch Restrictions	0.80%	$100	-	Learn More Add Review
Fox Communities Fox Communities Branch 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 1st Community Branch Restrictions	0.80%	$1,000	-	Learn More Add Review
Winnebago Community Winnebago Community Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Health Care Health Care Branch	0.80%	$10,000	-	Learn More Add Review
Iron County Community Iron County Communit Branch	0.75%	$10,000	-	Learn More Add Review
Meadowland Meadowland Branch	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 Westby Co-op Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
Cloverbelt Cloverbelt Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
Indianhead Indianhead Branch Restrictions	0.70%	$10,000	-	Learn More Add Review
Central Wisconsin Stevens Point Branch Restrictions	0.70%	$40,000	-	Learn More Add Review
Co-op Co-op Branch Restrictions	0.70%	$10,000	-	Learn More Add Review
R.i.a. R.i.a. Branch Restrictions	0.70%	$10,000	-	Learn More Add Review
Evergreen Evergreen Branch	0.70%	$1,000	-	Learn More Add Review
Arcadia Arcadia Branch Restrictions	0.65%	$100,000	-	Learn More Add Review
Unitedone Menasha Ave Branch Restrictions	0.65%	$100,000	-	Learn More Add Review
Shipbuilders Shipbuilders Branch Restrictions	0.65%	$10,000	-	Learn More Add Review
Centricity	0.60%	$10,000	-	Learn More Add Review
Thrivent Tfcu - Appleton Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Arcadia Arcadia Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Kohler Kohler Branch Restrictions	0.60%	$100,000	-	Learn More Add Review
Dupaco Community Dupaco Community Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Firefighters Firefighters Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Simplicity Central City Branch Restrictions	0.60%	$500	-	Learn More Add Review
Empower Empower Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Shoreline Shoreline Branch Restrictions	0.59%	$10,000	-	Learn More Add Review
Blackhawk Community Blackhawk Community Branch Restrictions	0.57%	$10,000	-	Learn More
Guest \| Apr 17, 2021 They treat people awful! Read More Reviews (2)
Central Wisconsin Stevens Point Branch Restrictions	0.55%	$1,000	-	Learn More Add Review
Marine Marine Branch Restrictions	0.55%	$100,000	-	Learn More Add Review
Unitedone Menasha Ave Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
Kohler Kohler Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
Dane County Dane County Branch Restrictions	0.55%	$100,000	-	Learn More Add Review
Tri-county Tri-county Branch Restrictions	0.55%	$100,000	-	Learn More Add Review
Bay Shore Bay Shore Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
Brewery Brewery Branch	0.55%	$10,000	-	Learn More Add Review
Badger-globe Badger-globe Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
Marshfield Medical Center Marshfield Medical C Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
Appletree Appletree Branch Restrictions	0.54%	$10,000	-	Learn More Add Review
Wisconsin Medical Wisconsin Medical Branch	0.50%	$10,000	-	Learn More Add Review
Fond Du Lac Fond Du Lac Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Marine Marine Branch Restrictions	0.50%	$1,000	-	Learn More Add Review
Westconsin Westconsin Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Members First Members First Branch	0.50%	$10,000	-	Learn More Add Review
Glacier Hills Glacier Hills Branch 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 Ripco Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Southern Lakes Southern Lakes Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Educators Educators Credit Union - New Berlin Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Altra Altra Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Dairyland Power Dairyland Power Branch	0.50%	$10,000	-	Learn More Add Review
Tri-county Tri-county Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
Dane County Dane County Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
Madison Madison Branch	0.45%	$10,000	-	Learn More Add Review
N.e.w. N.e.w. Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
Unison Unison Branch Restrictions	0.45%	$500	-	Learn More Add Review
Prospera Prospera Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
Northwestern Mutual Northwestern Mutual Branch Restrictions	0.40%	$1,000	-	Learn More Add Review
Premier Financial Premier Financial Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
Heartland Heartland Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
Fort Community Fort Community Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
Brokaw Brokaw Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
Oshkosh Community Oshkosh Community Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
Sentry Sentry Branch 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 Northwoods Community Branch Restrictions	0.30%	$100,000	-	Learn More Add Review
Hayward Community Hayward Community Branch Restrictions	0.30%	$100,000	-	Learn More Add Review
Verve, A Credit Union Citizensfirst Branch Restrictions	0.30%	$1,000	-	Learn More Add Review
Prime Financial Prime Financial Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
Northwoods Community Northwoods Community Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
Post Office Post Office Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
St. Mary's & Affiliates St. Mary's & Affilia Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
Park City Park City Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
Public Service Public Service Branch	0.25%	$10,000	-	Learn More Add Review
Focus Focus Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
Wea Wea Branch	0.20%	$10,000	-	Learn More Add Review
Hayward Community Hayward Community Branch Restrictions	0.20%	$10,000	-	Learn More Add Review
Heritage Branch - Ladysmith Wi Restrictions	0.20%	$10,000	-	Learn More Add Review
First Community Cu Of Beloit First Community Cu O Branch Restrictions	0.20%	$10,000	-	Learn More Add Review
County - City County - City Branch	0.20%	$10,000	-	Learn More Add Review
Advia Beloit - Cranston Branch 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 Mcu Financial Center Branch	0.20%	$10,000	-	Learn More Add Review
Nekoosa Nekoosa Branch	0.20%	$10,000	-	Learn More Add Review
Edu Restrictions	0.10%	$500	-	Learn More Add Review
Sheboygan Area Sheboygan Area Credit Union Branch Restrictions	0.10%	$10,000	-	Learn More Add Review
Enterprise Enterprise Branch Restrictions	0.10%	$10,000	-	Learn More Add Review
Guardian Guardian 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
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

See rates for Online Banks →

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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 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.

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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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