Wisconsin

Image Courtesy: pixabay.com

Credit Union CD Rates – 18-Month – Wisconsin

You are viewing rates from credit unions across Wisconsin

 

Below are eighteen month Certificates of Deposit (CD) rates from credit unions in Wisconsin. Eighteen Month CDs offer a bit more yield than 1 year CDs but require a longer time-commitment. Like any CD, you should consider the trade-off between the difference in yield and the required time commitment. If an 18 month CD pays significantly above the yield of a 12-month CD, it may be worth opening.

WI - December 23, 2024

18 Month CD National Average : 0.58% ?

Credit Unions APY MIN MILES ?

Rate History: 2.25% → 4.75%

| Sep 27, 2016

why have you not updated your rates Read More

Rate History: 3.75% → 4.20% → 4.05% → 3.90%

| Feb 12, 2022

Community First CU does NOT offer online Principal Payments on loans. CFCU online services are 20 years behind the industry. Online Principal payments are offered at Credit unions. Avoid Community First Cr... Read More

Rate History: 4.60% → 3.90% → 3.75%

Rate History: 5.00% → 4.30% → 4.00% → 3.70% → 3.60%

| Nov 20, 2024

Your Lost Bitcoins Are Not Gone Forever! Enquire From iBolt Cyber Hacker iBolt Cyber Hacker is a cybersecurity service that specializes in Bitcoin and cryptocurrency recovery. Even if your Bitcoin is lo... Read More

Rate History: 2.15% → 4.05% → 3.55% → 3.35%

Magnifi Financial
Restrictions

3.20%

3.10%
3.05%
3.00%
2.95%

$150,000

$100,000
$50,000
$25,000
$500

-

Learn More

Rate History: 2.63% → 3.20% → 2.63% → 3.20% → 2.63%

| Dec 7, 2023

100% a Rogue Bank. Wish I could give them a negative star. Banks like superior choice CU are the example why Americans are behind on building better credit portfolio. They for some strange reasons ar... Read More

Rate History: 2.60% → 5.25% → 2.60% → 18.00% → 2.60%

| Sep 20, 2023

Have been a member for 15 years and love everything about them: have a HighQ account, and QClassic checking and had a mortgage with them, too. Read More

Rate History: 0.70% → 1.40%

1.20%

$10,000

-

Learn More
Pcm
Restrictions

1.15%

$10,000

-

Learn More
Oshkosh Community
Restrictions

1.14%

$10,000

-

Learn More
Tomah Area
Restrictions

1.00%

$100

-

Learn More
Oakdale
Restrictions

1.00%

$10,000

-

Learn More

0.95%

$10,000

-

Learn More
Capital
Restrictions

0.90%

$10,000

-

Learn More

| Oct 13, 2022

Manager at WI Ave was disrespectful with pompous attitude. BEWARE! Read More

1st Community
Restrictions

0.90%

$1,000

-

Learn More
Cloverbelt
Restrictions

0.85%

$10,000

-

Learn More
Indianhead
Restrictions

0.80%

$10,000

-

Learn More
Westby Co-op
Restrictions

0.80%

$10,000

-

Learn More
R.i.a.
Restrictions

0.80%

$10,000

-

Learn More
Co-op
Restrictions

0.75%

$10,000

-

Learn More
Arcadia
Restrictions

0.70%

$10,000

-

Learn More
Dupaco Community
Restrictions

0.70%

$10,000

-

Learn More

0.65%

$10,000

-

Learn More
Firefighters
Restrictions

0.65%

$10,000

-

Learn More

0.65%

$10,000

-

Learn More
Badger-globe
Restrictions

0.65%

$10,000

-

Learn More
Thrivent
Restrictions

0.65%

$10,000

-

Learn More

0.65%

$10,000

-

Learn More
Dane County
Restrictions

0.60%

$100,000

-

Learn More

| Apr 17, 2021

They treat people awful! Read More

Educators
Restrictions

0.60%

$10,000

-

Learn More

0.55%

$10,000

-

Learn More
Fond Du Lac
Restrictions

0.55%

$10,000

-

Learn More

0.55%

$500

-

Learn More
Marine
Restrictions

0.55%

$100,000

-

Learn More

| Dec 1, 2024

Trent Ziebol is amazing with his hands. Glad he is not with his ex Jo. Read More

| Jul 19, 2020

Until they started this "transition" we loved this CU! Have had accounts here for at least 10 years. Now, we cannot get into an estate account to move some money and from our personal account now know th... Read More

Southern Lakes
Restrictions

0.55%

$10,000

-

Learn More
Prospera
Restrictions

0.55%

$10,000

-

Learn More
Marine
Restrictions

0.50%

$1,000

-

Learn More
Premier Financial
Restrictions

0.50%

$10,000

-

Learn More
Dane County
Restrictions

0.50%

$10,000

-

Learn More

0.50%

$10,000

-

Learn More
Altra
Restrictions

0.50%

$10,000

-

Learn More

0.50%

$1,000

-

Learn More
Heartland
Restrictions

0.45%

$10,000

-

Learn More
Fort Community
Restrictions

0.45%

$10,000

-

Learn More
Unison
Restrictions

0.45%

$500

-

Learn More
Sentry
Restrictions

0.40%

$10,000

-

Learn More

0.40%

$100,000

-

Learn More
Hayward Community
Restrictions

0.40%

$100,000

-

Learn More
Prime Financial
Restrictions

0.40%

$10,000

-

Learn More

0.35%

$10,000

-

Learn More

0.35%

$1,000

-

Learn More

0.30%

$10,000

-

Learn More
Hayward Community
Restrictions

0.30%

$10,000

-

Learn More
Focus
Restrictions

0.30%

$10,000

-

Learn More

0.25%

$10,000

-

Learn More

0.25%

$10,000

-

Learn More

0.25%

$10,000

-

Learn More

0.25%

$10,000

-

Learn More

0.20%

$10,000

-

Learn More
Guardian
Restrictions

0.05%

$10,000

-

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

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

PRODUCT INFORMATION

Credit Union Certificates of Deposit 2024

Credit union certificates of deposit (“CDs”, also commonly called “time deposits” at credit unions) are contract-based and time-based savings vehicles that are offered by credit unions. In return for agreeing to keep your money tied up with the credit union for a given time period, you earn a fixed rate or return that cannot change over the course of that period. Should you need your money before the expiration of the contractual period, the penalties for early withdrawal can be severe. Not all credit unions even offer early withdrawal from CDs; many that do offer it maintain the right to deny it in their fine print. It therefore is important to fully understand the terms of any time-based deposit that you enter with a credit union. Read this article for further detail on early withdrawal penalties.

Many Americans enjoy performing their banking transactions with credit unions, citing better rates, non-profit status (owned by its depositors), more helpful employees, and a commitment to the community that is above the level offered by local banks. You will find a map with all credit unions that are close to you here. It is important to note that some credit unions have limited fields of membership, although others are more open ended. Under any circumstance, you must meet the membership requirements in order to become a member and open a CD or time deposit.

Those who are willing to tie up their money for one year will often get a slight premium over the best available savings rates. People who work with credit unions may find that they offer better rates on CDs or time deposits than local banks and online banks. You however should check the local bank rates where you live here and the online rates here.

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

NCUA Insurance

Most, but not all, credit unions listed on BestCashCow are insured by the National Credit Union Administration (NCUA). You should confirm that the credit union that you are working with is NCUA-insured by visiting that institution’s BestCashCow page (NCUA coverage is detailed on the overview tab). The NCUA insures each named individual's deposits to $250,000 for all accounts at the credit union within ownership class. The rules are very similar, but not identical, to those for FDIC insurance. You should always stay within NCUA insurance limits.

BestCashCow strongly recommends that you deposit money only in NCUA insured credit unions and that you stay within insured limits. If you are considering depositing over $250,000 at a single NCUA-insured credit union across products (share certificates, time deposits, etc.) or across types of ownership (individual, joint, etc.) you should use the NCUA’s Share Insurance Toolkit in order to be sure that you are not exceeding coverage limits.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Is there any difference between a time deposit offered by a credit union and a CD account offered by a bank?

The difference is mainly one of terminology. But, you should always completely understand the terms of a time deposit or CD before you enter it, paying careful attention to the early withdrawal penalties. A reasonable early withdrawal penalty for a 1-year CD or time deposit is 3 months, and a reasonable early withdrawal penalty for a longer term CD is 6 months.

Does the small amount of interest gained on a time deposit make sense given the fact that I am losing access to my capital (liquidity)?

This is a decision that depends on your own specific circumstances, your needs for cash, and other investments that you may wish to pursue over the period of your time deposit or CD. The premium in a one-year CD is very small, with the premium of longer-term CDs being a little wider. A small difference in compounding interest can make a large difference over long period of time. You may wish to familiarize yourself with our Savings Booster Calculator  in order to understand the importance of compounding interest at higher rates on your money over time.

SAVINGS & CD CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.

Use or Change these Amounts And Rates