Best 3-Year CD Rates in Wisconsin, WI

You are viewing rates from banks across Wisconsin

Below are three-year CD Rates from banks in Wisconsin. Three-years is an intermediate term for CDs and as the term increases the yield will generally go up as well. Three year CDs are a popular component of many CD ladders and usually offer a good tradeoff between yield and how long you must keep the money locked in.

WI - November 21, 2024

3 Year CD National Average : 0.75% ^?

Banks	APY	MIN	MILES ^?
Spring Bank	4.20% 3.85%	$100,000 $1,000	-	Learn More Add Review
Nicolet National Bank	4.00% 3.50%	$2,500 $2,501	-	Learn More
Rate History: 3.90% → 3.70% → 3.40% → 3.75% → 4.00%
Jim Doe \| Oct 12, 2022 Service has always been satisfactory. They have my complete trust and endorsement. Great bank in my opinion. Read More Reviews (2)
Bank Five Nine	4.00%	$100	-	Learn More Add Review
Bank of Whittier, National Association	3.98%	$1,000	-	Learn More Add Review
Capital One, National Association	3.60%	$0	-	Learn More
Rate History: 4.10% → 4.00% → 3.75% → 3.60%
highstream \| Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More Reviews (14)
Ivy Bank, a division of Cambridge Savings Bank	3.60%	$0	-	Learn More Add Review
Rate History: 3.25% → 3.60%
lrcbob \| Jul 26, 2024 Multiple roadblocks trying to set up a savings account with Ivy Bank and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and c... Read More
Gateway First Bank	3.10%	$500	-	Learn More
JohnC \| Oct 11, 2020 You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More Reviews (3)
Citizens	3.10%	$5,000	-	Learn More
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Blue Foundry Bank	3.00%	$1,000	-	Learn More Add Review
Bank First, N.A.	2.78%	$1,000	-	Learn More Add Review
Rate History: 3.02% → 2.78%
Johnson Bank	2.65%	$2,000	-	Learn More Add Review
Rate History: 3.60% → 3.45% → 3.00% → 2.75% → 2.65%
USAA Federal Savings Bank	2.55%	$1,000	-	Learn More
Rate History: 2.75% → 2.55%
RYAN S \| Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More Reviews (2)
Banesco USA	2.50%	$1,000	-	Learn More
Rate History: 4.30% → 0.55% → 5.10% → 0.55% → 2.50%
Dkplan \| Dec 27, 2022 They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More Reviews (8)
Bremer Bank, National Association	2.35% 2.25%	$25,000 $10,000	-	Learn More Add Review
Rate History: 2.60% → 2.35%
Citibank, National Association	2.00%	$0	-	Learn More
Azoic \| Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More Reviews (11)
JPMorgan Chase Bank, National Association	2.00%	$10,000	-	Learn More
Rate History: 3.00% → 2.50% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
Hiawatha National Bank	1.81%	$500	-	Learn More Add Review
Hingham Institution for Savings	1.70%	$1,000	-	Learn More Add Review
Ladysmith Federal Savings and Loan Association	1.36%	$10,000	-	Learn More Add Review
BMO Bank National Association	1.35%	$1,000	-	Learn More
Rate History: 0.10% → 1.35% → 4.00% → 1.35%
Beenthere \| Jan 29, 2024 Tried to enter information on line to open a 5 year CD, multiple time and wasn't accepted. Talked to a live person who was of no help at all. My credit score is over 800 and I have plenty of money in oth... Read More Reviews (9)
The Farmers & Merchants Bank	1.35%	$500	-	Learn More Add Review
Rate History: 0.60% → 1.35%
Security Bank	1.26%	$500	-	Learn More Add Review
Cumberland Federal Bank, FSB	1.26%	$500	-	Learn More Add Review
Security Financial Bank	1.25%	$10,000	-	Learn More Add Review
Dairy State Bank	1.25%	$100,000	-	Learn More Add Review
Unity Bank	1.25%	$100,000	-	Learn More Add Review
Bank of Cashton	1.25%	$10,000	-	Learn More Add Review
Nekoosa Port Edwards State Bank	1.25%	$10,000	-	Learn More Add Review
Waldo State Bank	1.21%	$10,000	-	Learn More Add Review
Dairy State Bank	1.15%	$10,000	-	Learn More Add Review
Union State Bank of West Salem	1.15%	$10,000	-	Learn More Add Review
Unity Bank	1.14%	$500	-	Learn More Add Review
Shell Lake State Bank	1.10%	$10,000	-	Learn More Add Review
Ergo Bank	1.10%	$10,000	-	Learn More Add Review
Columbia Savings and Loan Association	1.10%	$10,000	-	Learn More Add Review
Oakwood Bank	1.06%	$10,000	-	Learn More Add Review
Citizens First Bank	1.05%	$100,000	-	Learn More Add Review
Farmers and Merchants Union Bank	1.05%	$100,000	-	Learn More Add Review
Great North Bank	1.05%	$10,000	-	Learn More Add Review
Intercity State Bank	1.05%	$10,000	-	Learn More Add Review
Paper City Savings Association	1.02%	$10,000	-	Learn More Add Review
Park Bank	1.01%	$10,000	-	Learn More Add Review
Byline Bank	1.00%	$5,000	-	Learn More Add Review
West Pointe Bank	1.00%	$500	-	Learn More Add Review
TD Bank, National Association	1.00%	$10,000	-	Learn More
Rate History: 3.51% → 1.00% → 3.51% → 1.00%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
GreenLeaf Bank	1.00%	$10,000	-	Learn More Add Review
Waumandee State Bank	1.00%	$10,000	-	Learn More Add Review
Northwestern Bank	1.00%	$10,000	-	Learn More Add Review
Black River Country Bank	1.00%	$10,000	-	Learn More Add Review
Farmers and Merchants Union Bank	1.00%	$10,000	-	Learn More Add Review
Headwaters State Bank	1.00%	$10,000	-	Learn More Add Review
Coulee Bank	1.00%	$10,000	-	Learn More Add Review
Premier Community Bank	0.95%	$100,000	-	Learn More Add Review
Alliance Bank	0.95%	$10,000	-	Learn More Add Review
Prevail Bank	0.95%	$50,000	-	Learn More Add Review
Oregon Community Bank	0.95%	$100,000	-	Learn More Add Review
Peoples State Bank of Plainview	0.95%	$100,000	-	Learn More Add Review
KeySavings Bank	0.95%	$10,000	-	Learn More Add Review
The Portage County Bank	0.90%	$10,000	-	Learn More Add Review
Peoples State Bank of Plainview	0.90%	$10,000	-	Learn More Add Review
Laona State Bank	0.90%	$10,000	-	Learn More Add Review
Bank of Lake Mills	0.90%	$10,000	-	Learn More Add Review
BLC Community Bank	0.90%	$10,000	-	Learn More Add Review
Bank of Luxemburg	0.89%	$10,000	-	Learn More Add Review
Cleveland State Bank	0.85%	$10,000	-	Learn More Add Review
Oregon Community Bank	0.85%	$10,000	-	Learn More Add Review
Bank of Commerce and Trust Company	0.85%	$1,000	-	Learn More Add Review
Sterling Bank	0.85%	$100,000	-	Learn More Add Review
Oostburg State Bank	0.85%	$10,000	-	Learn More Add Review
Prevail Bank	0.85%	$1,000	-	Learn More Add Review
The Greenwood's State Bank	0.85%	$10,000	-	Learn More Add Review
The First Bank of Baldwin	0.85%	$500	-	Learn More Add Review
State Bank of Newburg	0.85%	$10,000	-	Learn More Add Review
Citizens State Bank of Loyal	0.80%	$50,000	-	Learn More Add Review
Bay Bank	0.80%	$500	-	Learn More Add Review
Citizens First Bank	0.80%	$10,000	-	Learn More Add Review
IncredibleBank	0.80%	$10,000	-	Learn More Add Review
Peoples State Bank	0.80%	$10,000	-	Learn More Add Review
Ixonia Bank	0.80%	$10,000	-	Learn More Add Review
The Port Washington State Bank	0.80%	$10,000	-	Learn More Add Review
First National Community Bank	0.80%	$10,000	-	Learn More Add Review
Farmers & Merchants State Bank	0.75%	$10,000	-	Learn More Add Review
Sterling Bank	0.75%	$10,000	-	Learn More Add Review
State Bank of Chilton	0.75%	$10,000	-	Learn More Add Review
Wisconsin River Bank	0.75%	$100,000	-	Learn More Add Review
Bank of Wisconsin Dells	0.75%	$10,000	-	Learn More Add Review
Horicon Bank	0.75%	$10,000	-	Learn More Add Review
Baraboo State Bank	0.75%	$10,000	-	Learn More Add Review
Mayville Savings Bank	0.75%	$500	-	Learn More Add Review
The Peshtigo National Bank	0.75%	$10,000	-	Learn More Add Review
Bristol Morgan Bank	0.75%	$10,000	-	Learn More Add Review
The Benton State Bank	0.75%	$10,000	-	Learn More Add Review
AbbyBank	0.75%	$10,000	-	Learn More Add Review
American National Bank - Fox Cities	0.75%	$10,000	-	Learn More Add Review
River Falls State Bank	0.75%	$10,000	-	Learn More Add Review
First Citizens State Bank	0.75%	$10,000	-	Learn More Add Review
Citizens State Bank	0.73%	$100,000	-	Learn More Add Review
Citizens Bank	0.70%	$100,000	-	Learn More Add Review
American Bank of Beaver Dam	0.70%	$10,000	-	Learn More Add Review
State Bank Financial	0.70%	$10,000	-	Learn More Add Review
Partners Bank of Wisconsin	0.70%	$100,000	-	Learn More Add Review
PyraMax Bank, FSB	0.70%	$10,000	-	Learn More Add Review
Bank of Milton	0.70%	$10,000	-	Learn More Add Review
The Farmers State Bank of Waupaca	0.70%	$10,000	-	Learn More Add Review
Woodford State Bank	0.65%	$10,000	-	Learn More Add Review
Chippewa Valley Bank	0.65%	$10,000	-	Learn More
KateyB \| Oct 11, 2020 CVB is the worst for on-line banking. Required to change your password every 6 months or so - can't they implement security at this bank? And you won't get a notice to change your password, you just get lo... Read More Reviews (1)
Bluff View Bank	0.65%	$10,000	-	Learn More Add Review
Citizens State Bank	0.65%	$10,000	-	Learn More Add Review
Wisconsin River Bank	0.65%	$10,000	-	Learn More Add Review
Bank of Mauston	0.65%	$10,000	-	Learn More Add Review
River Bank	0.65%	$10,000	-	Learn More Add Review
Bank of Deerfield	0.65%	$500	-	Learn More Add Review
Bank of Sun Prairie	0.65%	$10,000	-	Learn More Add Review
TSB Bank	0.65%	$10,000	-	Learn More Add Review
Clare Bank, National Association	0.65%	$10,000	-	Learn More Add Review
The Bank of Brodhead	0.65%	$10,000	-	Learn More Add Review
The International Bank of Amherst	0.65%	$100,000	-	Learn More Add Review
Merchants Bank, National Association	0.60%	$10,000	-	Learn More Add Review
Royal Bank	0.60%	$10,000	-	Learn More Add Review
Citizens Bank	0.60%	$10,000	-	Learn More Add Review
The Stephenson National Bank and Trust	0.60%	$10,000	-	Learn More Add Review
The Peoples Community Bank	0.60%	$10,000	-	Learn More Add Review
State Bank Financial	0.60%	$100,000	-	Learn More Add Review
Banner Banks	0.60%	$10,000	-	Learn More Add Review
Partners Bank of Wisconsin	0.60%	$10,000	-	Learn More Add Review
The International Bank of Amherst	0.60%	$10,000	-	Learn More Add Review
Citizens State Bank	0.59%	$10,000	-	Learn More Add Review
Forward Bank	0.58%	$100,000	-	Learn More Add Review
DMB Community Bank	0.57%	$10,000	-	Learn More Add Review
Premier Community Bank	0.55%	$10,000	-	Learn More Add Review
Peoples State Bank	0.55%	$100,000	-	Learn More Add Review
State Bank of Cross Plains	0.55%	$10,000	-	Learn More
Otto Alber \| Jan 15, 2024 What is Lake Ridge Bank SWIFT Code? Read More Reviews (1)
State Bank of Reeseville	0.55%	$1,000	-	Learn More Add Review
PremierBank	0.55%	$10,000	-	Learn More Add Review
State Bank of the Lakes, National Association	0.55%	$100,000	-	Learn More Add Review
The Pineries Bank	0.55%	$10,000	-	Learn More Add Review
Forward Bank	0.53%	$10,000	-	Learn More Add Review
The Bank of New Glarus	0.53%	$10,000	-	Learn More Add Review
First State Bank	0.51%	$10,000	-	Learn More Add Review
The Huntington National Bank	0.50%	$1,000	-	Learn More
Allan \| Mar 18, 2021 I called Huntington yesterday and the branch manager told me that the rate listed on Best Cash Cow doesn't exist......... Read More Reviews (1)
Tomahawk Community Bank S.S.B.	0.50%	$1,000	-	Learn More Add Review
Fox Valley Savings Bank	0.50%	$500	-	Learn More
LLoomiscr@gmail.com \| Dec 31, 2021 Loan Agent strung me along for 6 months cost me a lot of money, Dishonest told me 3 times under writer approved the loan but in the end he didnt want to do it,guys on a power trip very unprofessional Bewar... Read More Reviews (1)
Citizens State Bank of Loyal	0.50%	$10,000	-	Learn More Add Review
Starion Bank	0.50%	$25,000	-	Learn More
rich_hovland@bismarckschools.org \| Nov 13, 2019 yes Read More Reviews (2)
Badger Bank	0.50%	$1,000	-	Learn More Add Review
Fortifi Bank	0.50%	$10,000	-	Learn More Add Review
Citizens Community Federal National Association	0.50%	$10,000	-	Learn More Add Review
Collins State Bank	0.50%	$10,000	-	Learn More Add Review
The Park Bank	0.50%	$10,000	-	Learn More
nosnah-nej-erif \| Jan 29, 2022 Discriminatory and unfair practices including closing accounts for reasons they so choose of those who are non-caucasion, lower incomes and older in age but do not follow the same guidelines for white, wea... Read More Reviews (1)
Farmers Savings Bank	0.50%	$10,000	-	Learn More Add Review
Highland State Bank	0.50%	$10,000	-	Learn More Add Review
Richland County Bank	0.50%	$10,000	-	Learn More Add Review
State Bank of the Lakes, National Association	0.50%	$10,000	-	Learn More Add Review
First Resource Bank	0.50%	$100,000	-	Learn More Add Review
First State Bank and Trust	0.50%	$10,000	-	Learn More Add Review
FORTE BANK	0.50%	$500	-	Learn More Add Review
The Bank of Kaukauna	0.45%	$500	-	Learn More Add Review
Starion Bank	0.45%	$2,500	-	Learn More
rich_hovland@bismarckschools.org \| Nov 13, 2019 yes Read More Reviews (2)
National Exchange Bank and Trust	0.45%	$10,000	-	Learn More Add Review
Peoples State Bank	0.45%	$10,000	-	Learn More Add Review
Community First Bank	0.45%	$10,000	-	Learn More Add Review
CIBC Bank USA	0.45%	$100,000	-	Learn More
me \| Oct 13, 2021 Good for savers. Easy to transfer funds in and out, not paying high transaction processing $ or being limited to low amounts per day. Does not subject applicants to very much ID interrogation and apparent... Read More Reviews (6)
Wolf River Community Bank	0.45%	$10,000	-	Learn More
Depositor \| Feb 23, 2018 Strange bank. Connected to murder and suicide since 2006 Read More Reviews (1)
First Resource Bank	0.45%	$10,000	-	Learn More Add Review
First Federal Bank of Wisconsin	0.45%	$10,000	-	Learn More Add Review
Home Federal Savings Bank	0.45%	$100,000	-	Learn More Add Review
Farmers & Merchants Bank & Trust	0.41%	$10,000	-	Learn More Add Review
National Bank of Commerce	0.40%	$100,000	-	Learn More Add Review
The First National Bank of River Falls	0.40%	$2,500	-	Learn More Add Review
Capitol Bank	0.40%	$10,000	-	Learn More Add Review
MidWestOne Bank	0.40%	$10,000	-	Learn More Add Review
Tri City National Bank	0.40%	$10,000	-	Learn More Add Review
WaterStone Bank, SSB	0.40%	$10,000	-	Learn More Add Review
Waukesha State Bank	0.40%	$10,000	-	Learn More Add Review
CIBC Bank USA	0.40%	$10,000	-	Learn More
me \| Oct 13, 2021 Good for savers. Easy to transfer funds in and out, not paying high transaction processing $ or being limited to low amounts per day. Does not subject applicants to very much ID interrogation and apparent... Read More Reviews (6)
Westbury Bank	0.40%	$10,000	-	Learn More Add Review
Community First Bank	0.36%	$10,000	-	Learn More Add Review
National Bank of Commerce	0.35%	$10,000	-	Learn More Add Review
The First National Bank and Trust Company	0.34%	$1,000	-	Learn More Add Review
Old National Bank	0.30%	$10,000	-	Learn More
jefflockwoodlaw2288@gmail.com \| Jul 18, 2021 I have a neighbor whose mortgage is with ONB. I am licensed to practice law but I am not writing this review as a lawyer, but rather as a heads up if your spouse should happen to die while you owe any mone... Read More Reviews (2)
WOODTRUST BANK	0.30%	$10,000	-	Learn More Add Review
CIBM Bank	0.30%	$10,000	-	Learn More
theee \| Dec 26, 2017 Good people to deal with. Competitive rates better than CEFCU. Easy in/out processing of CD's & MM. Read More Reviews (1)
North Shore Bank, FSB	0.25%	$10,000	-	Learn More Add Review
Town Bank, National Association	0.20%	$1,000	-	Learn More Add Review
Home Federal Savings Bank	0.20%	$10,000	-	Learn More Add Review
Frandsen Bank & Trust	0.15%	$50,000	-	Learn More Add Review
Independence State Bank	0.15%	$10,000	-	Learn More Add Review
U.S. Bank National Association	0.10%	$500	-	Learn More
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (2)
Frandsen Bank & Trust	0.10%	$10,000	-	Learn More Add Review
First-Citizens Bank & Trust Company	0.05%	$500	-	Learn More
MrBond \| Feb 25, 2023 I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More Reviews (3)
KeyBank National Association	0.05%	$2,500	-	Learn More
Rate History: 0.02% → 0.05%
Seeko \| Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More Reviews (2)
PNC Bank, National Association	0.03%	$25,000	-	Learn More
GAM \| May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More Reviews (1)
Bank of America, National Association	0.03%	$100,000	-	Learn More
Treasure \| Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More Reviews (7)
Associated Bank, National Association	0.01%	$10,000	-	Learn More Add Review

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

See rates for Online Banks →

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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Three Year CDs - Branch Banks 2024

A three year CD is an intermediate CD, sandwiched between the popular one and five year CD terms. Three year CD generally offer between .30 and .60 percentage points more than a 1 year CD. Currently, their average yield is comparable to the average yield of an online savings account Online savings accounts allow consumers to withdraw money at any time so consumers should consider whether they want to lock their money into a CD when there is little premium versus an online account.

The top 3 year CD rates, as listed on the rate table above, are significantly higher than online or offline savings account rates.

Another factor to consider when opening a 3 year CD is the rate environment. If interest rates are rising, it may not be advisable to lock money away for three years when rates will soon be higher. If rates are falling, and may do so for some time (as they did from 2008 through 2013), then it may make sense to open a 3, 4 or 5 year CD to lock into a higher rate before it drops. To get a sense of where rates might go, check out the BestCashCow rate analysis page.

While conventional wisdom holds that online banks always offer higher rates than branch-based banks, an analysis conducted by BestCashCow in 2012 showed that with longer term CDs (3 years or longer), small community based banks and credit unions can often be just as competitive or not more so. If you prefer to bank in person, then it is possible to get branch service and a high CD rate if you shop around a bit. The tables at the top of this page can provide you the best rates in your area.

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, please 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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Wisconsin CD Rates – 3-Year

PRODUCT INFORMATION

Three Year CDs - Branch Banks 2024

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