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Wisconsin CD Rates 2016

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 - September 29, 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 -
West Pointe Bank 0.90% $500 -
Bank Of Sun Prairie 0.90% $10,000 -
Westbury Bank 0.90% $500 -
Cibm Bank 0.90% $2,500 -
Waldo State Bank 0.80% $1,000 -
State Bank Of Newburg 0.80% $500 -
Commerce State Bank 0.80% $5,000 -
Bank Of Oakfield 0.80% $500 -
Forward Financial Bank 0.80% $25,000 -
Forward Financial Bank 0.75% $10,000 -
Citizens Bank 0.75% $25,000 -
Abbybank 0.75% $10,000 -
Time Federal Savings Bank 0.75% $10,000 -
American Bank & Trust Wisconsin 0.75% $100,000 -
Ridgestone Bank 0.75% $10,000 -
Laona State Bank 0.75% $500 -
Citizens State Bank 0.75% $100 -
Investors Community Bank 0.75% $10,000 -
Alliance Bank 0.75% $500 -
Hustisford State Bank 0.70% $1,000 -
Bank First National 0.70% $10,000 -
State Bank Of Arcadia 0.70% $50,000 -
First Federal Bank Of Wisconsin 0.70% $500 -
Mbank 0.65% $25,000 -
State Bank Of Arcadia 0.65% $2,500 -
Wolf River Community Bank 0.65% $1,000 -
State Bank Of Florence 0.65% $500 -
American National Bank - Fox Cities 0.65% $500 -
American Bank & Trust Wisconsin 0.65% $500 -
Peoples State Bank 0.65% $100,000 -
Dairy State Bank 0.65% $30,000 -
Blc Community Bank 0.65% $1,000 -
Premier Community Bank 0.63% $100,000 -
Markesan State Bank 0.61% $500 -
Oostburg State Bank 0.60% $10,000 -
Heritage Bank 0.60% $50,000 -
Badger Bank 0.60% $2,500 -
Union Federal Savings And Loan Association 0.60% $200 -
Citizens Community Federal National Association 0.60% $2,000 -
Citizens Bank 0.60% $10,000 -
Wisconsin Bank & Trust 0.60% $1,000 -
Bank Of Cashton 0.60% $1,000 -
Waumandee State Bank 0.60% $500 -
Peoples State Bank Of Plainview 0.60% $10,000 -
The First National Bank Of Bangor 0.60% $500 -
Collins State Bank 0.55% $500 -
F&m Bank 0.55% $50,000 -
Citizens State Bank Of Loyal 0.55% $50,000 -
Hiawatha National Bank 0.55% $500 -
Associated Bank, National Association 0.55% $100,000 -
Middleton Community Bank 0.55% $2,500 -
Oregon Community Bank & Trust 0.55% $100,000 -
Farmers State Bank 0.55% $100 -
Independence State Bank 0.55% $10,000 -
State Bank Of The Lakes 0.55% $99,000 -
Pigeon Falls State Bank 0.55% $100 -
Peoples State Bank 0.55% $10,000 -
Dairy State Bank 0.55% $10,000 -
Park Bank 0.51% $10,000 -
Farmers State Bank 0.50% $500 -
Union State Bank Of West Salem 0.50% $500 -
Intercity State Bank 0.50% $1,000 -
Marathon Savings Bank 0.50% $10,000 -
Bank Of Prairie Du Sac 0.50% $1,000 -
Farmers And Merchants Union Bank 0.50% $1,000 -
Mound City Bank 0.50% $2,500 -
State Bank Of Chilton 0.50% $1,000 -
Sunset Bank & Savings 0.50% $500 -
Pioneer Bank Of Wisconsin 0.50% $1,000 -
Union Bank Of Blair 0.50% $1,000 -
Heritage Bank 0.50% $10,000 -
Headwaters State Bank 0.50% $1,000 -
Hometown Bank 0.50% $1,000 -
Fox Valley Savings Bank 0.50% $500 -
The Stephenson National Bank And Trust 0.50% $1,000 -
The Farmers & Merchants Bank 0.50% $500 -
Cleveland State Bank 0.50% $500 -
Shell Lake State Bank 0.50% $500 -
Farmers And Merchants Bank Of Kendall 0.50% $500 -
Bank Of Sun Prairie 0.50% $500 -
Great Midwest Bank, S.s.b. 0.50% $1,000 -
Union National Bank & Trust Company 0.50% $500 -
Mbank 0.50% $10,000 -
Dairyland State Bank 0.50% $500 -
First State Bank 0.50% $75,000 -
Black River Country Bank 0.50% $1,000 -
Livingston State Bank 0.50% $1,000 -
State Bank Of The Lakes 0.50% $1,000 -
Ladysmith Federal Savings And Loan Association 0.50% $1,000 -
The First Bank Of Baldwin 0.50% $500 -
Peoples State Bank 0.50% $2,500 -
Cibm Bank 0.50% $500 -
Paper City Savings Association 0.46% $100 -
First National Community Bank 0.46% $1,000 -
Oregon Community Bank & Trust 0.45% $500 -
Security Bank 0.45% $500 -
Advantage Community Bank 0.45% $10,000 -
Community Financial Bank 0.45% $1,000 -
Farmers & Merchants Bank, Of Orfordville 0.45% $500 -
River Bank 0.45% $500 -
Greenleaf Wayside Bank 0.45% $2,500 -
Stratford State Bank 0.45% $10,000 -
The Peshtigo National Bank 0.45% $500 -
First National Bank At Darlington 0.45% $500 -
F&m Bank 0.45% $2,500 -
Choice Bank 0.45% $1,000 -
Wisconsin River Bank 0.45% $10,001 -
Cumberland Federal Bank, Fsb 0.45% $500 -
First Citizens State Bank 0.45% $100,000 -
Pyramax Bank, Fsb 0.45% $1,000 -
Bank Of Galesville 0.45% $10,000 -
Community State Bank 0.45% $100,000 -
The Port Washington State Bank 0.42% $10,000 -
Farmers & Merchants Bank & Trust 0.41% $1,000 -
United Bank 0.40% $10,000 -
Community Bank Of Cameron 0.40% $10,000 -
Sterling Bank 0.40% $25,000 -
Citizens First Bank 0.40% $10,000 -
Partnership Bank 0.40% $500 -
First Bank Financial Centre 0.40% $1,000 -
Banner Banks 0.40% $500 -
Integrity First Bank 0.40% $1,000 -
Keysavings Bank 0.40% $500 -
Securant Bank & Trust 0.40% $1,000 -
The First National Bank - Fox Valley 0.40% $1,000 -
Eagle Valley Bank, National Association 0.40% $100,000 -
Johnson Bank 0.40% $2,000 -
First Business Bank 0.40% $100,000 -
Royal Bank 0.40% $500 -
Citizens State Bank 0.37% $100,000 -
Commercial Bank 0.36% $500 -
Security Financial Bank 0.35% $10,000 -
Bank Of Poynette 0.35% $1,000 -
The Necedah Bank 0.35% $1,000 -
The Bank Of Brodhead 0.35% $500 -
Starion Financial 0.35% $25,000 -
Bank Of Lake Mills 0.35% $500 -
Unity Bank 0.35% $25,000 -
Bay Bank 0.35% $500 -
Sterling Bank 0.35% $10,000 -
Security State Bank 0.35% $10,000 -
First American Bank, N.a. 0.35% $500 -
Citizens State Bank Of Loyal 0.35% $10,000 -
Mbank 0.35% $250 -
Layton State Bank 0.35% $5,000 -
Coulee Bank 0.35% $10,000 -
First Citizens State Bank 0.35% $1,000 -
Southport Bank 0.35% $1,000 -
The First National Bank Of Hartford 0.35% $500 -
River Valley Bank 0.35% $1,000 -
Merchants Bank, National Association 0.35% $500 -
Union Bank & Trust Company 0.32% $25,000 -
Bank Of Wisconsin Dells 0.30% $1,000 -
Horicon Bank 0.30% $1,000 -
Bank Of Deerfield 0.30% $500 -
Starion Financial 0.30% $2,500 -
The National Bank Of Waupun 0.30% $500 -
Farmers And Merchants Bank 0.30% $1,000 -
Bank Of Milton 0.30% $10,000 -
The International Bank Of Amherst 0.30% $100,000 -
Highland State Bank 0.30% $500 -
State Bank Of Reeseville 0.30% $1,000 -
Badger Bank 0.30% $1,000 -
Nekoosa Port Edwards State Bank 0.30% $500 -
Eagle Valley Bank, National Association 0.30% $10,000 -
The Pineries Bank 0.30% $1,000 -
National Bank Of Commerce 0.30% $10,000 -
The Privatebank And Trust Company 0.30% $100,000 -
East Wisconsin Savings Bank, S.a. 0.30% $500 -
Ixonia Bank 0.30% $1,000 -
The Bank Of Kaukauna 0.30% $1,000 -
Farmers Savings Bank 0.30% $2,500 -
Premierbank 0.30% $300 -
The Benton State Bank 0.30% $1 -
Midwestone Bank 0.30% $10,000 -
Tri City National Bank 0.30% $500 -
The Farmers State Bank Of Waupaca 0.30% $1,000 -
Home Savings Bank 0.26% $500 -
Clare Bank, National Association 0.25% $10,000 -
Denmark State Bank 0.25% $500 -
The Peoples Community Bank 0.25% $500 -
Bancroft State Bank 0.25% $500 -
Grand Marsh State Bank 0.25% $10,000 -
Tcf National Bank 0.25% $100,000 -
Merrill Federal Savings And Loan Association 0.25% $1,000 -
Bank Of Mauston 0.25% $1,000 -
The International Bank Of Amherst 0.25% $10,000 -
Settlers Bank 0.25% $2,500 -
Lincoln Community Bank 0.25% $1,000 -
Royal Bank 0.25% $500 -
Mayville Savings Bank 0.25% $500 -
The American National Bank Of Beaver Dam 0.25% $1,000 -
Pioneer Bank 0.25% $10,000 -
Nicolet National Bank 0.25% $1,000 -
Community State Bank 0.25% $5,000 -
Bank Of Luxemburg 0.25% $1,000 -
Mcfarland State Bank 0.25% $1,000 -
Monona State Bank 0.25% $1,000 -
Old National Bank 0.25% $10,000 -
Fox River State Bank 0.25% $1,000 -
First State Bank 0.25% $10,000 -
Portage County Bank 0.25% $500 -
Peoples Bank Midwest 0.25% $25,000 -
Cornerstone Community Bank 0.25% $10,000 -
The First National Bank Of Berlin 0.25% $500 -
The Baraboo National Bank 0.25% $500 -
Unity Bank 0.25% $10,000 -
Farmers & Merchants State Bank 0.24% $500 -
First Business Bank 0.24% $10,000 -
Citizens State Bank 0.22% $10,000 -
Town Bank 0.22% $1,000 -
Union Bank & Trust Company 0.22% $10,000 -
Pnc Bank, National Association 0.22% $100,000 -
Park Bank 0.20% $1,000 -
Peoples Bank Midwest 0.20% $10,000 -
Bank Mutual 0.20% $50,000 -
National Exchange Bank And Trust 0.20% $1,000 -
Bmo Harris Bank National Association 0.20% $100,000 -
The Equitable Bank, S.s.b. 0.20% $25,000 -
Woodford State Bank 0.20% $1,000 -
Tsb Bank 0.20% $500 -
Woodtrust Bank 0.20% $500 -
Tomahawk Community Bank S.s.b. 0.20% $1,000 -
Middleton Community Bank 0.20% $1,000 -
Blackhawk Bank 0.20% $1,000 -
Waterstone Bank, Ssb 0.20% $1,000 -
Tcf National Bank 0.20% $500 -
Peoples Bank 0.20% $1,000 -
River Cities Bank 0.20% $1 -
The Privatebank And Trust Company 0.20% $1,000 -
The Bank Of New Glarus 0.20% $2,000 -
Firstmerit Bank, National Association 0.20% $100,000 -
Dmb Community Bank 0.19% $500 -
Pnc Bank, National Association 0.18% $0 -
Community First Bank 0.17% $1,000 -
Community First Bank 0.16% $10,000 -
River Falls State Bank 0.15% $500 -
The First National Bank Of River Falls 0.15% $2,500 -
Merchants Bank, National Association 0.15% $500 -
Bank Of The West 0.15% $10,000 -
North Shore Bank, Fsb 0.15% $1,000 -
Superior Savings Bank 0.15% $500 -
Waukesha State Bank 0.15% $500 -
Bank Mutual 0.15% $10,000 -
Bmo Harris Bank National Association 0.15% $5,000 -
State Bank Of Cross Plains 0.15% $2,500 -
First State Bank And Trust 0.15% $1,000 -
Firstmerit Bank, National Association 0.15% $10,000 -
Premier Community Bank 0.13% $10,000 -
Capitol Bank 0.13% $1,000 -
The First National Bank And Trust Company 0.11% $1,000 -
The Park Bank 0.10% $1,000 -
First-citizens Bank & Trust Company 0.10% $1,000 -
The Equitable Bank, S.s.b. 0.10% $500 -
U.s. Bank National Association 0.10% $10,000 -
Associated Bank, National Association 0.10% $10,000 -
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.

PRODUCT INFORMATION

Certificates of Deposit - Branch Banks 2016

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. In stable rate environments, CDs that are over 12 months in length can enable depositors to pick up a slight premium over savings accounts.

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. Please see those rates here.

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.

SAVINGS & CD BOOSTER CALCULATOR

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  • 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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