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Highest 2-Year CD Rates in Wisconsin
69 Wisconsin-specific 24-Month CD products

By Aviel Fahl

Newest reading: October 13, 2026

Top Wisconsin Rate:4.50% APYFDIC or NCUA Insured

The Wisconsin market

Wisconsin accounts

69

Institutions

63

Top Wisconsin APY

4.50% APY

Nationally: 4.75% APY

FDIC national average

1.61%

As of Sep 2026

69 24-month CDs are open only to Wisconsin residents, from 63 institutions. The highest advertised APY among them is 4.50%.

The highest nationally available rate is 4.75% APY, 25 basis points above the Wisconsin leader.

48 of the 69 Wisconsin 24-month CDs advertise more than the FDIC national average of 1.61% for 24-month CDs as of Sep 2026.

Wisconsin-Specific 24-Month CD Rates

24-Month CD rates specifically available to Wisconsin residents. Business, youth and IRA CDs are not included on this page.

Top 50 CD terms from 47 banks,sorted by highest APY
#1
Nicolet National Bank

24 Month CD

Term: 24 months

Up to4.50%
APY

Needs a linked account at the bank · 4.20% without the linked account

Observed: Oct 13, 2026
Min Deposit

$2,500

Branches

Yes

#2
Bank of Deerfield

2 Year

Term: 24 months

4.35%
APY
Observed: Oct 13, 2026
Min Deposit

$500

Branches

Yes

#3
Spring Bank

2 Year CD

Term: 24 months

Up to4.20%
APY

Needs at least $100,000

Observed: Oct 12, 2026
Min Deposit

$1,000

Branches

Yes

#4
GreenLeaf Bank

2 Year CD

Term: 24 months

4.15%
APY
Observed: Oct 3, 2026
Min Deposit

$1,000

Branches

Yes

#5
State Bank of Newburg

24 mo Certificate of Deposit ($10,000 or Above)

Term: 24 months

4.13%
APY
Observed: Oct 12, 2026
Min Deposit

$10,000

Branches

Yes

#6
State Bank of Newburg

24 mo Certificate of Deposit

Term: 24 months

4.05%
APY
Observed: Oct 12, 2026
Min Deposit

$500

Branches

Yes

#7
Oostburg State Bank

24-Month CD

Term: 24 months

4.04%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#8
The Peshtigo National Bank

2 Year CD

Term: 24 months

4.00%
APY
Observed: Oct 13, 2026
Min Deposit

$500

Branches

Yes

#9
Farmers & Merchants Bank & Trust

24 Month CD

Term: 24 months

3.93%
APY
Observed: Oct 13, 2026
Min Deposit

$2,500

Branches

Yes

#10
Peoples State Bank of Plainview

24-Month CD

Term: 24 months

Up to3.75%
APY

Needs at least $35,000

Observed: Oct 3, 2026
Min Deposit

$250

Branches

Yes

#11
West Pointe Bank

24-Month CD

Term: 24 months

3.71%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#12
Bank of Prairie du Sac

2 Year CD

Term: 24 months

3.70%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

N/A

#13
Dairy State Bank

24-Month CD

Term: 24 months

Up to3.60%
APY

Needs at least $30,000

Observed: Oct 13, 2026
Min Deposit

N/A

Branches

Yes

#14
Farmers and Merchants Union Bank

24 Month CD

Term: 24 months

3.54%
APY
Observed: Oct 12, 2026
Min Deposit

$1,000

Branches

Yes

#15
Farmers and Merchants Union Bank

24 Month HSA CD

Term: 24 months

3.54%
APY
Observed: Oct 12, 2026
Min Deposit

$1,000

Branches

Yes

#16
Farmers & Merchants State Bank

24 Month Reverse CD

Term: 24 months

3.50%
APY
Observed: Oct 13, 2026
Min Deposit

$500

Branches

Yes

#17
Gateway First Bank

24 Month CD

Term: 24 months

3.50%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#18
First State Bank and Trust

24-35 Months CD

Term: 24-35 months

3.44%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#19
River Falls State Bank

24 Month Certificate of Deposit

Term: 24 months

3.34%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#20
Waldo State Bank

24 Month CD

Term: 24 months

3.29%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#21
Farmers & Merchants State Bank

24 Month CD

Term: 24 months

3.25%
APY
Observed: Oct 13, 2026
Min Deposit

$500

Branches

Yes

#22
KeySavings Bank

24 Month CD

Term: 24 months

3.19%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

N/A

#23
Ergo Bank

24 Month CD

Term: 24 months

3.17%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#24
Tri City National Bank

24 Month CD

Term: 24 months

3.15%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#25
Union Federal Savings and Loan Association

2 Year Certificate

Term: 24 months

3.14%
APY
Observed: Oct 13, 2026
Min Deposit

$200

Branches

Yes

#26
Horicon Bank

2 Year CD

Term: 24 months

3.02%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#27
AbbyBank

24 Month CD

Term: 24 months

3.00%
APY
Observed: Oct 7, 2026
Min Deposit

$1,500

Branches

Yes

#28
Fox Valley Savings Bank

24 Month CD

Term: 24 months

3.00%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#29
IncredibleBank

24 Month CD

Term: 24 months

3.00%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#30
Bank of Lake Mills

2 Year CD

Term: 24 months

2.93%
APY
Observed: Oct 13, 2026
Min Deposit

$500

Branches

Yes

#31
Bank of Luxemburg

24 Month CD

Term: 24 months

2.85%
APY
Observed: Oct 3, 2026
Min Deposit

$1,000

Branches

Yes

#32
Johnson Bank

24 Month CD

Term: 24 months

2.80%
APY
Observed: Oct 7, 2026
Min Deposit

$2,000

Branches

Yes

#33
Laona State Bank

24 Month CD

Term: 24 months

2.78%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

N/A

2.75%
APY
Observed: Oct 13, 2026
Min Deposit

$1,000

Branches

Yes

#35
Peoples State Bank

24 Month CD

Term: 24 months

2.75%
APY
Observed: Oct 7, 2026
Min Deposit

$2,500

Branches

Yes

#36
The Pineries Bank

24 Month CD

Term: 24 months

2.75%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#37
State Bank of Reeseville

2 Year CD

Term: 24 months

2.73%
APY
Observed: Oct 13, 2026
Min Deposit

$1,000

Branches

Yes

#38
The Farmers State Bank of Waupaca

24 Month CD

Term: 24 months

2.60%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

2.42%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#40
First Citizens State Bank

2 Year CD

Term: 24 months

2.35%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#41
Bank CMG

24 Month CD

Term: 24 months

2.30%
APY
Observed: Oct 7, 2026
Min Deposit

$2,000

Branches

Yes

#42
The Port Washington State Bank

2 Year CD

Term: 24 months

2.25%
APY

Needs at least $10,000

Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#43
Northwestern Bank

24 Month CD

Term: 24 months

2.22%
APY
Observed: Oct 13, 2026
Min Deposit

$1,000

Branches

Yes

#44
National Exchange Bank and Trust

24 Month CD

Term: 24 months

2.00%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#45
Headwaters State Bank

2 Year CD

Term: 24 months

1.96%
APY
Observed: Oct 13, 2026
Min Deposit

$1,000

Branches

Yes

#46
Hiawatha National Bank

24 Month CD

Term: 24 months

1.96%
APY
Observed: Oct 13, 2026
Min Deposit

$500

Branches

N/A

#47
Paper City Savings Bank, S.A.

24 Month CD

Term: 24 months

1.79%
APY
Observed: Oct 7, 2026
Min Deposit

$100

Branches

Yes

#48
Park Bank, National Association

2 Year CD

Term: 24 months

1.69%
APY

Needs at least $10,000

Observed: Oct 13, 2026
Min Deposit

$2,500

Branches

Yes

#49
First State Bank

24-Month CD

Term: 24 months

1.56%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#50
The Farmers & Merchants Bank

24 Month CD

Term: 24 months

1.50%
APY
Observed: Oct 13, 2026
Min Deposit

$500

Branches

Yes

Nationally Available 24-Month CD Rates

The 8 highest 24-Month CD rates available nationwide, including in Wisconsin.

InstitutionProduct / Term
Barclays
24-Month CD24 months
4.75%
Popular Direct
24 Months24 months
4.70%
Happen Bank
2-Year CD24 months
4.60%
Bread Savings
2-Year CD24 months
4.45%
E*TRADE from Morgan Stanley
24-Month Certificates of Deposit24 months
4.40%
Marcus by Goldman Sachs
2 Year CD24 months
4.40%
Sallie Mae Bank
24-Month Certificates of deposit CDs24 months
4.40%
Vio Bank
24-Month Online Certificate of Deposit CD24 months
4.40%

See the full national list