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Best CD Rates in Wisconsin for 2025
Looking for a safe, low-risk way to grow your savings in 2025? Certificates of deposit (CDs) remain one of the most reliable fixed-income investments. With competitive CD rates in Wisconsin and flexible term options from both banks and credit unions, you can earn steady interest while protecting your principal.
Whether you’re planning for a future purchase, building an emergency fund, or simply seeking a smart place to store cash, this list compares the top CD rates in Wisconsin and explains the features you should consider before investing.
Top CD Rates and Terms for Wisconsin in 2025
| Institution | Term Options | APY Range | Minimum Deposit | Key Features |
|---|---|---|---|---|
| ABC Bank | 12 months | 2.75% | None | No minimum deposit, accessible to all savers |
| Xylo Credit Union | 24 months | 3.00% | Varies | High APY, limited to select counties |
| Pioneer Savings Bank | 36 months | 3.15% | $1,000 | Strong for long-term growth |
| Lakeshore Community Bank | 6 months | 2.50% | $500 | Flexible short-term option |
| Associated Bank | 3–60 months | 2.00% – 3.20% | Varies | CD laddering options, no monthly fees |
| BMO Harris | 3–60 months | 2.20%–3.10% | $1,000 | Excellent online access, trusted brand |
| Citizen State Bank | Long-term | Up to 3.25% | $500 | Secure returns, FDIC-insured |
| UW Credit Union | Various terms | Up to 3.30% | $1,000 | Transparent terms, strong member benefits |
| Park Bank | 6–36 months | Up to 3.35% | $1,000 | High-yield CDs, flexible maturities |
| First Business Bank | 3–60 months | Up to 3.40% | None | Unique bump-up CDs, personalized advice |
| Community State Bank | 3–12 months | Up to 2.80% | $500 | Short-term focus, no maintenance fees |
Wisconsin CD Provider Highlights
Explore the benefits, terms, and standout features of top CD providers in Wisconsin for 2025. These summaries help you compare offerings based on return potential, accessibility, and account flexibility.
ABC Bank
ABC Bank offers one of the most accessible CD options for new savers, thanks to its no-minimum deposit policy. It’s a strong fit for those who want to ease into fixed-term savings without tying up large amounts of cash. The 12-month term provides a predictable return with an APY of 2.75%. With strong customer support and simple account setup, it appeals to cautious investors seeking a risk-free place to grow their money.
- APY: 2.75% (12 months)
- Minimum Deposit: None
- Why Choose It: No barriers to entry; great for first-time CD investors
Xylo Credit Union
Xylo Credit Union offers a high 3.00% APY on a 24-month CD, making it a competitive choice for mid-term savers. Membership is restricted to certain counties, but those who qualify can benefit from above-average rates. The credit union has a reputation for excellent member service and transparent policies. It’s ideal for savers seeking solid returns without locking up funds for several years.
- APY: 3.00% (24 months)
- Availability: Residents of select counties
- Best For: Medium-term savers in eligible regions
Pioneer Savings Bank
Pioneer Savings Bank provides a higher yield for those willing to commit to a 36-month term. With an APY of 3.15% and a $1,000 minimum deposit, it’s tailored toward long-term planners. This option is ideal for individuals saving for major life events or retirement goals. The institution is known for its customer service and reliable financial products.
- APY: 3.15% (36 months)
- Minimum Deposit: $1,000
- Strength: High yield with extended commitment
Lakeshore Community Bank
Lakeshore Community Bank features a 6-month CD with an APY of 2.50%, perfect for short-term savings goals. It suits individuals who want liquidity without sacrificing returns. This CD works well as a temporary holding option for emergency funds or planned purchases. It combines accessibility with a decent rate for its brief term.
- APY: 2.50% (6 months)
- Best Use: Temporary savings with liquidity
Associated Bank
Associated Bank offers a wide variety of CD terms from 3 to 60 months, giving savers flexibility to build a CD ladder. APYs range up to 3.20%, depending on term length and deposit amount. The bank is favored for its no monthly maintenance fees and clear terms. It’s ideal for those managing multiple savings timelines.
- Terms: 3 months to 5 years
- Highlight: No maintenance fees and flexible CD ladders
BMO Harris
BMO Harris provides a range of CD options with APYs from 2.20% to 3.10%, supported by a strong digital banking platform. It’s a good fit for tech-savvy savers who value ease of access and mobile tools. A $1,000 minimum deposit is required, but it comes with the reliability of a nationally recognized bank. Their customer service and tools make tracking CD growth simple.
- APY Range: 2.20%–3.10%
- Perk: Access powerful digital banking tools and support
Citizen State Bank
Citizen State Bank focuses on long-term CD strategies and offers rates up to 3.25%. It’s best for savers who can commit funds and want consistent, insured returns. The bank is FDIC-insured, giving depositors peace of mind. It’s a solid option for those building a low-risk investment portfolio.
- Focus: Long-term CD strategies
- Security: FDIC-insured for peace of mind
UW Credit Union
UW Credit Union offers CDs with APYs up to 3.30% across various term lengths. The credit union is known for its member-first approach and clear communication. With a $1,000 minimum, it balances accessibility with strong returns. It’s suitable for both short- and long-term goals.
- APY: Up to 3.30%
- Unique Benefit: Transparent terms and strong customer service
Park Bank
Park Bank provides high-yield CD options with flexible terms from 6 to 36 months. With APYs reaching 3.35%, it appeals to savers who want options beyond the standard 1-year CD. The bank has a reputation for competitive offers and solid financial tools. It’s a good choice for balancing return and flexibility.
- Terms: 6 to 36 months
- Why It Stands Out: Competitive APYs with flexible maturity options
First Business Bank
First Business Bank is unique for offering bump-up CDs, allowing rate increases during the term. This is ideal during a rising interest rate environment. The bank provides personal financial advice to help structure your CD portfolio. It’s a strong pick for strategic savers looking for flexibility.
-
Top Feature: Bump-up CDs that allow rate increases mid-term
Community State Bank
Community State Bank specializes in short-term CDs with no monthly maintenance fees. With terms from 3 to 12 months and rates up to 2.80%, it’s perfect for savers who want access to funds soon. The bank emphasizes simplicity and ease of account management. It’s well-suited for tactical short-term goals.
-
Perfect For: Short-term investors seeking flexibility with no monthly fees
Factors to Consider Before Choosing a CD
Interest Rates and Terms
Longer terms typically offer higher APYs but lower liquidity.
Shorter terms give quicker access to cash, though with lower yields.
Early Withdrawal Penalties
Penalties vary by institution and CD term.
A common penalty is 3–6 months of interest.
Always review terms before committing.
Insurance Coverage for CDs
| Account Type | Insurance Limit | Coverage Notes |
|---|---|---|
| Single Account | $250,000 | FDIC- or NCUA-insured per depositor per institution |
| Joint Account | $250,000 per owner | Coverage doubled with two owners |
| Retirement Account (IRA) | $250,000 | Covered separately from regular accounts |
Tip: Distribute large balances across institutions to stay fully insured.
Ways to Boost CD Returns
- Use CD Laddering: Helps you maintain access to funds while maximizing rates.
- Monitor Rate Trends: Reinvest when rates rise to enhance growth.
- Prioritize APY Over Interest Rate: APY reflects actual compound interest.
- Avoid Auto-Renewals: Check competitive rates before rolling over.
- Look for Bump-Up CDs: Gain more from rising rates during your CD term.
Wisconsin CD Rate Highlights for 2025
From short-term liquidity to long-term savings strategies, Wisconsin’s CD offerings in 2025 are diverse and competitive. By comparing APYs, terms, and features, you can select CDs that align with your financial goals while minimizing risk. Use strategies like laddering, watch for bump-up options, and always keep FDIC coverage in mind.
With insured returns and predictable growth, certificates of deposit remain a smart tool for conservative investors in Wisconsin.
Frequently Asked Questions
What is the best cd term for high returns?
Longer cd terms usually provide better apys. However, they also lock up your money for longer periods. Many savers use cd laddering to balance long-term yields with short-term access to funds. Consider your cash flow needs before choosing a term.
Are credit union cds insured like bank cds?
Yes, credit union cds are insured by the ncua, similar to the fdic for banks. Both protect up to $250,000 per depositor, per institution. This ensures your money is safe even in case of institutional failure. Always confirm insurance status before depositing.
Can I withdraw my money early from a cd?
You can withdraw early, but penalties usually apply. Most institutions charge several months’ worth of interest depending on the cd term. This can significantly reduce your returns. Read all terms carefully before committing.
Is one large cd better than multiple smaller ones?
Not necessarily. Multiple cds with different terms allow more flexibility. This strategy helps avoid early withdrawal penalties and provides staggered access to funds. It also allows reinvestment at higher rates if the market changes.
How often should I check cd rates?
Check cd rates every few months or when your cd nears maturity. Economic changes can cause rates to rise or fall quickly. Staying informed helps you make timely investment decisions. Use rate comparison tools to simplify the process.
Reviewed and edited by Albert Fang.
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Article Title: Best CD Rates in Wisconsin
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