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Wisconsin CD Rates

Below are the best one year CD Rates from banks 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 31, 2016

1 Year CD National Average : 0.38% ?

Bank APY MIN MILES ?
Charter Bank Eau Claire 1.07% $1,000 -
Northwestern Bank 1.00% $1,000 -
The Equitable Bank, S.s.b. 1.00% $500 -
First National Bank 0.95% $500 -
Seaway Bank And Trust Company 0.95% $1,000 -
Cibm Bank 0.90% $2,500 -
Bank Of Sun Prairie 0.90% $10,000 -
West Pointe Bank 0.90% $500 -
Abbybank 0.85% $10,000 -
Waldo State Bank 0.80% $1,000 -
State Bank Of Newburg 0.80% $500 -
Westbury Bank 0.80% $500 -
Forward Financial Bank 0.80% $25,000 -
Commerce State Bank 0.80% $5,000 -
Bank First National 0.75% $10,000 -
American Bank & Trust Wisconsin 0.75% $100,000 -
Laona State Bank 0.75% $500 -
Alliance Bank 0.75% $500 -
Citizens Bank 0.75% $25,000 -
Forward Financial Bank 0.75% $10,000 -
Time Federal Savings Bank 0.75% $10,000 -
Ridgestone Bank 0.75% $10,000 -
Investors Community Bank 0.75% $10,000 -
Old National Bank 0.70% $100,000 -
Hustisford State Bank 0.70% $1,000 -
State Bank Of Arcadia 0.70% $50,000 -
First Federal Bank Of Wisconsin 0.70% $500 -
The First National Bank Of Niagara 0.65% $25,000 -
American Bank & Trust Wisconsin 0.65% $500 -
Blc Community Bank 0.65% $1,000 -
Peoples State Bank 0.65% $100,000 -
State Bank Of Arcadia 0.65% $2,500 -
State Bank Of Florence 0.65% $500 -
Dairy State Bank 0.65% $30,000 -
American National Bank - Fox Cities 0.65% $500 -
Wolf River Community Bank 0.65% $1,000 -
Premier Community Bank 0.63% $100,000 -
Markesan State Bank 0.61% $500 -
Peoples State Bank Of Plainview 0.60% $10,000 -
Citizens State Bank 0.60% $100 -
Badger Bank 0.60% $2,500 -
The First National Bank Of Bangor 0.60% $500 -
Waumandee State Bank 0.60% $500 -
Bank Of Cashton 0.60% $1,000 -
Heritage Bank 0.60% $50,000 -
Wisconsin Bank & Trust 0.60% $1,000 -
Citizens Bank 0.60% $10,000 -
Union Federal Savings And Loan Association 0.60% $200 -
Citizens Community Federal National Association 0.60% $2,000 -
Associated Bank, National Association 0.55% $100,000 -
State Bank Of The Lakes 0.55% $99,000 -
Citizens State Bank Of Loyal 0.55% $50,000 -
Peoples State Bank 0.55% $10,000 -
Pigeon Falls State Bank 0.55% $100 -
F&m Bank 0.55% $50,000 -
Hiawatha National Bank 0.55% $500 -
Collins State Bank 0.55% $500 -
Farmers State Bank 0.55% $100 -
Dairy State Bank 0.55% $10,000 -
Fidelity National Bank 0.55% $10,000 -
Oregon Community Bank & Trust 0.55% $100,000 -
Middleton Community Bank 0.55% $2,500 -
Citizens Community Federal National Association 0.55% $50,000 -
Park Bank 0.51% $10,000 -
The Stephenson National Bank And Trust 0.50% $1,000 -
The First National Bank Of Niagara 0.50% $10,000 -
Union National Bank & Trust Company 0.50% $500 -
The First Bank Of Baldwin 0.50% $500 -
Pioneer Bank Of Wisconsin 0.50% $1,000 -
State Bank Of The Lakes 0.50% $1,000 -
Livingston State Bank 0.50% $1,000 -
Headwaters State Bank 0.50% $1,000 -
Mound City Bank 0.50% $2,500 -
Cleveland State Bank 0.50% $500 -
Farmers State Bank 0.50% $500 -
Oostburg State Bank 0.50% $10,000 -
Independence State Bank 0.50% $10,000 -
Chippewa Valley Bank 0.50% $1,000 -
State Bank Of Chilton 0.50% $1,000 -
Farmers And Merchants Bank Of Kendall 0.50% $500 -
Heritage Bank 0.50% $10,000 -
Hometown Bank 0.50% $1,000 -
Dairyland State Bank 0.50% $500 -
Bank Of Sun Prairie 0.50% $500 -
Union Bank Of Blair 0.50% $1,000 -
Farmers And Merchants Union Bank 0.50% $1,000 -
Union State Bank Of West Salem 0.50% $500 -
Bank Of Prairie Du Sac 0.50% $1,000 -
Shell Lake State Bank 0.50% $500 -
Black River Country Bank 0.50% $1,000 -
First State Bank 0.50% $75,000 -
The Farmers & Merchants Bank 0.50% $500 -
Intercity State Bank 0.50% $1,000 -
Peoples State Bank 0.50% $2,500 -
Fidelity National Bank 0.50% $10,000 -
Ladysmith Federal Savings And Loan Association 0.50% $1,000 -
Fox Valley Savings Bank 0.50% $500 -
Great Midwest Bank, S.s.b. 0.50% $1,000 -
Marathon Savings Bank 0.50% $10,000 -
Sunset Bank & Savings 0.50% $500 -
Citizens Community Federal National Association 0.50% $500 -
First National Community Bank 0.46% $1,000 -
Paper City Savings Association 0.46% $100 -
The Peshtigo National Bank 0.45% $500 -
Bank Of Galesville 0.45% $10,000 -
Bank Of Oakfield 0.45% $500 -
Community State Bank 0.45% $100,000 -
Security Bank 0.45% $500 -
Advantage Community Bank 0.45% $10,000 -
First Citizens State Bank 0.45% $100,000 -
Greenleaf Wayside Bank 0.45% $2,500 -
F&m Bank 0.45% $2,500 -
First National Bank At Darlington 0.45% $500 -
Mbank 0.45% $250 -
River Bank 0.45% $500 -
Farmers & Merchants Bank, Of Orfordville 0.45% $500 -
Stratford State Bank 0.45% $10,000 -
Oregon Community Bank & Trust 0.45% $500 -
Community Financial Bank 0.45% $1,000 -
Pyramax Bank, Fsb 0.45% $1,000 -
Cumberland Federal Bank, Fsb 0.45% $500 -
Wisconsin River Bank 0.45% $10,001 -
Choice Bank 0.45% $1,000 -
The Port Washington State Bank 0.42% $10,000 -
Farmers & Merchants Bank & Trust 0.41% $1,000 -
The First National Bank - Fox Valley 0.40% $1,000 -
Eagle Valley Bank, National Association 0.40% $100,000 -
Sterling Bank 0.40% $25,000 -
Partnership Bank 0.40% $500 -
Banner Banks 0.40% $500 -
Community Bank Of Cameron 0.40% $10,000 -
Securant Bank & Trust 0.40% $1,000 -
First Bank Financial Centre 0.40% $1,000 -
Citizens First Bank 0.40% $10,000 -
Royal Bank 0.40% $500 -
United Bank 0.40% $10,000 -
First Business Bank 0.40% $100,000 -
Johnson Bank 0.40% $2,000 -
Keysavings Bank 0.40% $500 -
Integrity First Bank 0.40% $1,000 -
Citizens State Bank 0.37% $100,000 -
Commercial Bank 0.36% $500 -
The Bank Of Brodhead 0.35% $500 -
The First National Bank Of Hartford 0.35% $500 -
Citizens State Bank Of Loyal 0.35% $10,000 -
Layton State Bank 0.35% $5,000 -
Sterling Bank 0.35% $10,000 -
Bank Of Lake Mills 0.35% $500 -
Unity Bank 0.35% $25,000 -
Merchants Bank, National Association 0.35% $500 -
Security State Bank 0.35% $10,000 -
First Citizens State Bank 0.35% $1,000 -
Bank Of Poynette 0.35% $1,000 -
Security Financial Bank 0.35% $10,000 -
Mid America Bank 0.35% $1,000 -
The Necedah Bank 0.35% $1,000 -
Coulee Bank 0.35% $10,000 -
River Valley Bank 0.35% $1,000 -
Starion Financial 0.35% $25,000 -
Bay Bank 0.35% $500 -
Southport Bank 0.35% $1,000 -
First American Bank, N.a. 0.35% $500 -
Union Bank & Trust Company 0.32% $25,000 -
Badger Bank 0.30% $1,000 -
Bank Of Deerfield 0.30% $500 -
Nekoosa Port Edwards State Bank 0.30% $500 -
Farmers And Merchants Bank 0.30% $1,000 -
Premierbank 0.30% $300 -
The National Bank Of Waupun 0.30% $500 -
Eagle Valley Bank, National Association 0.30% $10,000 -
Highland State Bank 0.30% $500 -
The Pineries Bank 0.30% $1,000 -
Bank Of Milton 0.30% $10,000 -
Horicon Bank 0.30% $1,000 -
Cibm Bank 0.30% $500 -
Ixonia Bank 0.30% $1,000 -
Farmers Savings Bank 0.30% $2,500 -
The Farmers State Bank Of Waupaca 0.30% $1,000 -
National Bank Of Commerce 0.30% $10,000 -
The Benton State Bank 0.30% $1 -
Midwestone Bank 0.30% $10,000 -
The International Bank Of Amherst 0.30% $100,000 -
State Bank Of Reeseville 0.30% $1,000 -
Bank Of Wisconsin Dells 0.30% $1,000 -
The Bank Of Kaukauna 0.30% $1,000 -
Tri City National Bank 0.30% $500 -
East Wisconsin Savings Bank, S.a. 0.30% $500 -
The Privatebank And Trust Company 0.30% $100,000 -
Starion Financial 0.30% $2,500 -
Home Savings Bank 0.26% $500 -
Clare Bank, National Association 0.25% $10,000 -
Mcfarland State Bank 0.25% $1,000 -
Old National Bank 0.25% $10,000 -
The American National Bank Of Beaver Dam 0.25% $1,000 -
The First National Bank Of Berlin 0.25% $500 -
Peoples Bank Midwest 0.25% $25,000 -
Unity Bank 0.25% $10,000 -
Lincoln Community Bank 0.25% $1,000 -
Community State Bank 0.25% $5,000 -
Portage County Bank 0.25% $500 -
Pioneer Bank 0.25% $10,000 -
Bank Of Mauston 0.25% $1,000 -
Bancroft State Bank 0.25% $500 -
The Baraboo National Bank 0.25% $500 -
Denmark State Bank 0.25% $500 -
Bank Of Luxemburg 0.25% $1,000 -
Royal Bank 0.25% $500 -
The International Bank Of Amherst 0.25% $10,000 -
The Peoples Community Bank 0.25% $500 -
Grand Marsh State Bank 0.25% $10,000 -
First State Bank 0.25% $10,000 -
American Bank 0.25% $1,000 -
Tcf National Bank 0.25% $100,000 -
Merrill Federal Savings And Loan Association 0.25% $1,000 -
Mayville Savings Bank 0.25% $500 -
Cornerstone Community Bank 0.25% $10,000 -
Monona State Bank 0.25% $1,000 -
Nicolet National Bank 0.25% $1,000 -
Fox River State Bank 0.25% $1,000 -
Settlers Bank 0.25% $2,500 -
Farmers & Merchants State Bank 0.24% $500 -
First Business Bank 0.24% $10,000 -
Citizens State Bank 0.22% $10,000 -
Union Bank & Trust Company 0.22% $10,000 -
Town Bank 0.22% $1,000 -
Woodtrust Bank 0.20% $500 -
Peoples Bank Midwest 0.20% $10,000 -
Pnc Bank, National Association 0.20% $100,000 -
Woodford State Bank 0.20% $1,000 -
National Exchange Bank And Trust 0.20% $1,000 -
The Bank Of New Glarus 0.20% $2,000 -
Firstmerit Bank, National Association 0.20% $100,000 -
Blackhawk Bank 0.20% $1,000 -
Richland County Bank 0.20% $500 -
Bmo Harris Bank National Association 0.20% $100,000 -
Tsb Bank 0.20% $500 -
Park Bank 0.20% $1,000 -
Tcf National Bank 0.20% $500 -
Waterstone Bank, Ssb 0.20% $1,000 -
The Equitable Bank, S.s.b. 0.20% $25,000 -
Bank Mutual 0.20% $50,000 -
Tomahawk Community Bank S.s.b. 0.20% $1,000 -
The Privatebank And Trust Company 0.20% $1,000 -
Middleton Community Bank 0.20% $1,000 -
River Cities Bank 0.20% $1 -
Peoples Bank 0.20% $1,000 -
Dmb Community Bank 0.19% $500 -
Pnc Bank, National Association 0.18% $10,000 -
Community First Bank 0.17% $1,000 -
Community First Bank 0.16% $10,000 -
Bank Of The West 0.15% $10,000 -
The First National Bank Of River Falls 0.15% $2,500 -
Merchants Bank, National Association 0.15% $500 -
First State Bank And Trust 0.15% $1,000 -
Firstmerit Bank, National Association 0.15% $10,000 -
State Bank Of Cross Plains 0.15% $2,500 -
Waukesha State Bank 0.15% $500 -
Bmo Harris Bank National Association 0.15% $5,000 -
River Falls State Bank 0.15% $500 -
North Shore Bank, Fsb 0.15% $1,000 -
Superior Savings Bank 0.15% $500 -
Bank Mutual 0.15% $10,000 -
Oak Bank 0.15% $5,000 -
Premier Community Bank 0.13% $10,000 -
Capitol Bank 0.13% $1,000 -
The First National Bank And Trust Company 0.11% $1,000 -
Associated Bank, National Association 0.10% $10,000 -
U.s. Bank National Association 0.10% $10,000 -
First-citizens Bank & Trust Company 0.10% $1,000 -
The Park Bank 0.10% $1,000 -
The Equitable Bank, S.s.b. 0.10% $500 -
Gateway Community Bank 0.10% $1,000 -
Frandsen Bank & Trust 0.08% $50,000 -
Frandsen Bank & Trust 0.05% $10,000 -
Wells Fargo Bank, National Association 0.05% $10,000 -
Guaranty Bank 0.02% $1,000 -
Jpmorgan Chase Bank, National Association 0.01% $10,000 -

BestCashCow strives to maintain the most accurate rates. If you find a rate that is not accurate, please let us know by commenting below so that we can update it. Thank you for your help.

  • Max

    June 07, 2016

    The Chase rates are not correct, in fact Chase never heard of these rates, if they are correct please inform Abilene and Dallas, I could use the rate as small as it may be, but better than most, if they exist. Thanks

  • joan

    June 06, 2016

    florida community bank 1.40% -9 months good all of june 2016

  • Tammie H.

    April 19, 2016

    Hello,

    I was just wondering if the rates posted on this site were current?

    I noticed at the top it does have todays date.

    Thank you.

  • boo

    April 13, 2016

    rates suck

  • Dan

    March 14, 2016

    The local offerings are there. Just put in your zip code. Click the link that says: Change zip.

  • F Jamees

    March 14, 2016

    Where are the local offerings of 71913. They use to be for local banks, we miss them. F James

  • Larry Triemer (ltriemer@yahoo.com)

    March 02, 2016

    I stopped receiving my weekly bank rates and wanted you to resume sending them. I registered today, again, using my work e-mail and would like for you to send them to the abovementioned e=mail address.

    Thank you,

    Larry Triemer+

  • jim

    February 12, 2016

    bank of Ontario (Ontario wi) offering 1 year ira cd for 1.9%

  • mike

    February 07, 2016

    Why can banks 100 miles away offer rates 5 to 6 time higher on a one year CD , seems banks and or there management in this area simply refuse to be competitive and show no respect for the people , neighbors and area they live and work in.

  • Braun

    December 30, 2015

    @Brian. Click the tabs at the top. You can choose the rate term you want.

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Certificates of Deposit - Branch Banks

A certificate of deposit (CD) is a savings product offered by a bank in which a depositor (someone who has money to put into the bank) agrees to commit a certain amount of money for a set period of time, in return for a fixed rate of interest. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

CD Terms

The time period in which money is held in a certificate of deposit is called the term. Terms can run for any period of time but in general, banks use the following terms: 3 months, 6 months, 12 months, 18 months, 24 months, 36 months, 48 months, and 60 months. Terms can either be described in months or years. The term that is right for each individual depends on their goals, the rate they which to earn, and their future plans for the money. In general, if rates are going up, savers should avoid putting the money into a long-term CD. If rates are going down, then the opposite is true, and savers should try and lock into a good rate for an extended period of time.

CD Risk

Almost all banks provide CDs to their consumers and they have been a mainstay of savers and retirement accounts for years. If FDIC insured, the CD represents a safe place to put money that will generate a predictable return.

Inflation is the main risk of a CD. Inflation can often run higher than the inflation adjusted return on a CD, thus eroding the value of the money stored in the CD over time. This is especially true for longer-term CDs opened in low interest rate environments.

How Interest is Paid

The method of distributing the interest earned on a CD varies by bank. Some banks pay interest monthly, other semi-annually, and others at the maturity of the CD. One advantage of a branch-based bank is that a depositor can walk into the bank and receive their interest that day in the form of a check. Online banks tend to use electronic funds transfer or check via mail.

Interest Rate

Since the financial crisis in 2008, CDs have become less popular because the yields they offer have dropped precipitously, making it difficult for retirees and savers to generate sufficient income. But investors looking for a place to stash some cash might still find CDs an attractive place for some of their savings. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.

When interest rates are falling, it is often preferable to lock in high rates for an extended period of time with a longer-term CD. When interest rates are rising, depositors should avoid committing their money for long periods of time. To see interest rate trends, visit the BestCashCow rate analysis page.

Advantages and Disadvantages

The advantages of a Certificate of Deposit from a branch bank are:

 · 

Funds deposited in FDIC banks and within insurance limits are protected by the full faith and credit of the United States government.

 · 

CDs provide a predictable, set rate of return.

 · 

Depositors can walk into a local branch and open the CD and fund it that day. Question and inquiries can also be handles in-person.

The disadvantages of branch-based CDs are:

 · 

The deposited money is committed for a certain period of time and can only be withdrawn with substantial penalties.

 · 

One year CDs from branch banks often pay less interest than from online banks.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, you visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

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