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CD Rates in Wisconsin for June 2026

Updated June 23, 2026

Written by
Rhys Subitch
Edited by
Pippin Wilbers

Wisconsin savers may want to consider certificates of deposit (CDs) for a safe savings option with guaranteed returns. While there are some specialty CDs, the basics are fairly easy to compare once you know what to look for.

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How to compare the best CD rates in Wisconsin

  1. Term

    This is the established period your funds are set aside for. Terms typically range from three months to five years, but some CDs can be even shorter or significantly longer, depending on the bank or credit union.

  2. Yield

    When looking at how much you're going to earn, the annual percentage yield (APY) carries much of the weight. It defines the amount of interest that will be earned each year.

  3. Minimum deposit

    CDs often require a minimum deposit of $500 or $1,000. Depending on the bank or type of CD, that might drop to as low as $0 or up to $100,000 or more.

  4. Fees and penalties

    An early withdrawal penalty can cut into your savings if you take out your funds before the term is up. Depending on the bank or credit union's policy, you may lose up to all of the interest earned.

Don't forget about credit unions

Two options that might have better yields than big, or even regional banks, are online banks and credit unions. Online banks reduce overhead by eliminating the need for physical branches, and credit unions are not-for-profit organizations that cater to their members rather than shareholders.

The National Credit Union Administration (NCUA) has a handy tool you can use to find Wisconsin credit unions. When looking at credit unions, know that some call their CDs certificates or share certificates. The three biggest credit unions in Wisconsin as of the fourth quarter of 2025 are:

Read: Bankrate's Connexus review

How to decide whether you want a long- or short-term CD

Terms less than six months tend to come with significantly lower yields. In addition to potential higher yields, longer-term CDs also have the benefit of growing your funds over a longer period, meaning you're going to earn more at that fixed rate.

Next steps to take out a CD in Wisconsin

Find the best CD rates

Compare nationally available CDs using Bankrate's best list.

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Check more credit unions

There may be additional credit unions beyond those local to Wisconsin that you can qualify for.

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Compare terms and yields

Use Bankrate's CD calculator to crunch the numbers.

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Consider a CD ladder

You may be able to stack your growth with this CD strategy.

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Research methodology

Since 1976, Bankrate has been a leading publisher of rates and personal finance articles. We help our readers make smarter financial decisions, adhering to strict principles of editorial integrity and transparency.

Part of Bankrate’s editorial team is made up of a group of banking experts. These experts have collectively researched over 100 banks and review current details at least monthly to make sure readers stay up to date on the latest rates and bank products. If you see a star rating next to a product, that has been established by one of our banking experts, and is not influenced by partner status.

Note: Bankrate doesn’t include callable CDs or brokered CDs on this page and compares regular CDs and no-penalty CDs separately.

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