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 - December 15, 2024

1 Year CD National Average : 0.55% ?

Credit Unions APY MIN MILES ?

Rate History: 2.22% → 2.63% → 5.30% → 2.63% → 5.00%

| 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

4.75%

$500

-

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| Sep 27, 2016

why have you not updated your rates Read More

Rate History: 5.10% → 5.00% → 4.60% → 4.35%

Rate History: 4.90% → 4.65% → 4.55% → 4.40% → 4.30%

Rate History: 5.40% → 3.95%

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

| 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: 5.25% → 4.50% → 4.00% → 3.80% → 3.65%

| Nov 20, 2024

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

Rate History: 5.06% → 5.25% → 4.61% → 3.86% → 3.52%

| 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: 2.05% → 4.05% → 3.55% → 3.35%

| 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: 2.25% → 5.25% → 2.25%

Rate History: 0.70% → 1.40%

Cone
Restrictions

1.00%

$10,000

-

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Pcm
Restrictions

1.00%

$10,000

-

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First Choice
Restrictions

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

Capital
Restrictions

0.85%

$10,000

-

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0.85%

$10,000

-

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Oakdale
Restrictions

0.85%

$10,000

-

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Tomah Area
Restrictions

0.80%

$100

-

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| Oct 13, 2022

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

1st Community
Restrictions

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

Westby Co-op
Restrictions

0.75%

$10,000

-

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Cloverbelt
Restrictions

0.75%

$10,000

-

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Indianhead
Restrictions

0.70%

$10,000

-

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Central Wisconsin
Restrictions

0.70%

$40,000

-

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Co-op
Restrictions

0.70%

$10,000

-

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R.i.a.
Restrictions

0.70%

$10,000

-

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0.70%

$1,000

-

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Arcadia
Restrictions

0.65%

$100,000

-

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Unitedone
Restrictions

0.65%

$100,000

-

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Shipbuilders
Restrictions

0.65%

$10,000

-

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0.60%

$10,000

-

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Thrivent
Restrictions

0.60%

$10,000

-

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Arcadia
Restrictions

0.60%

$10,000

-

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Kohler
Restrictions

0.60%

$100,000

-

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Dupaco Community
Restrictions

0.60%

$10,000

-

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Firefighters
Restrictions

0.60%

$10,000

-

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Simplicity
Restrictions

0.60%

$500

-

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Empower
Restrictions

0.60%

$10,000

-

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Shoreline
Restrictions

0.59%

$10,000

-

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| Apr 17, 2021

They treat people awful! Read More

Central Wisconsin
Restrictions

0.55%

$1,000

-

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Marine
Restrictions

0.55%

$100,000

-

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Unitedone
Restrictions

0.55%

$10,000

-

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Kohler
Restrictions

0.55%

$10,000

-

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Dane County
Restrictions

0.55%

$100,000

-

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Tri-county
Restrictions

0.55%

$100,000

-

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Bay Shore
Restrictions

0.55%

$10,000

-

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0.55%

$10,000

-

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Badger-globe
Restrictions

0.55%

$10,000

-

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0.55%

$10,000

-

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Appletree
Restrictions

0.54%

$10,000

-

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0.50%

$10,000

-

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Fond Du Lac
Restrictions

0.50%

$10,000

-

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Marine
Restrictions

0.50%

$1,000

-

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| Dec 1, 2024

Trent Ziebol is amazing with his hands. Glad he is not with his ex Jo. Read More

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

Ripco
Restrictions

0.50%

$10,000

-

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Southern Lakes
Restrictions

0.50%

$10,000

-

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Educators
Restrictions

0.50%

$10,000

-

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Altra
Restrictions

0.50%

$10,000

-

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0.50%

$10,000

-

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Tri-county
Restrictions

0.45%

$10,000

-

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Dane County
Restrictions

0.45%

$10,000

-

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0.45%

$10,000

-

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N.e.w.
Restrictions

0.45%

$10,000

-

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Unison
Restrictions

0.45%

$500

-

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Prospera
Restrictions

0.45%

$10,000

-

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0.40%

$1,000

-

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Premier Financial
Restrictions

0.35%

$10,000

-

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Heartland
Restrictions

0.35%

$10,000

-

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Fort Community
Restrictions

0.35%

$10,000

-

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Brokaw
Restrictions

0.35%

$10,000

-

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Oshkosh Community
Restrictions

0.35%

$10,000

-

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Sentry
Restrictions

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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Hayward Community
Restrictions

0.30%

$100,000

-

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0.30%

$1,000

-

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Prime Financial
Restrictions

0.30%

$10,000

-

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0.25%

$10,000

-

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Post Office
Restrictions

0.25%

$10,000

-

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0.25%

$10,000

-

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Park City
Restrictions

0.25%

$10,000

-

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0.25%

$10,000

-

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Focus
Restrictions

0.25%

$10,000

-

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0.20%

$10,000

-

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Hayward Community
Restrictions

0.20%

$10,000

-

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Heritage
Restrictions

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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Sheboygan Area
Restrictions

0.10%

$10,000

-

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Enterprise
Restrictions

0.10%

$10,000

-

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Guardian
Restrictions

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.

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 2024

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

Find out how much extra money you can earn by moving your bank money into an account that pays more.

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