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Highest 5-Year CD Rates in Wisconsin
57 Wisconsin-specific 60-Month CD products

By Aviel Fahl

Newest reading: October 13, 2026

Top Wisconsin Rate:4.75% APYFDIC or NCUA Insured

The Wisconsin market

Wisconsin accounts

57

Institutions

51

Top Wisconsin APY

4.75% APY

Nationally: 5.00% APY

FDIC national average

1.38%

As of Sep 2026

57 60-month CDs are open only to Wisconsin residents, from 51 institutions. The highest advertised APY among them is 4.75%.

The highest nationally available rate is 5.00% APY, 25 basis points above the Wisconsin leader.

47 of the 57 Wisconsin 60-month CDs advertise more than the FDIC national average of 1.38% for 60-month CDs as of Sep 2026.

Wisconsin-Specific 60-Month CD Rates

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

Top 50 CD terms from 45 banks,sorted by highest APY
#1
Nicolet National Bank

60 Month CD

Term: 60 months

Up to4.75%
APY

Needs a linked account at the bank · 4.25% without the linked account

Observed: Oct 13, 2026
Min Deposit

$2,500

Branches

Yes

#2
State Bank of Newburg

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

Term: 60 months

4.54%
APY
Observed: Oct 12, 2026
Min Deposit

$10,000

Branches

Yes

#3
State Bank of Newburg

60 mo Certificate of Deposit

Term: 60 months

4.45%
APY
Observed: Oct 12, 2026
Min Deposit

$500

Branches

Yes

#4
Spring Bank

5 Year CD

Term: 60 months

Up to4.30%
APY

Needs at least $100,000

Observed: Oct 12, 2026
Min Deposit

$1,000

Branches

Yes

#5
Farmers and Merchants Union Bank

60 Month CD

Term: 60 months

4.04%
APY
Observed: Oct 12, 2026
Min Deposit

$1,000

Branches

Yes

#6
Farmers and Merchants Union Bank

60 Month HSA CD

Term: 60 months

4.04%
APY
Observed: Oct 12, 2026
Min Deposit

$1,000

Branches

Yes

#7
Oostburg State Bank

60-Month CD

Term: 60 months

4.04%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#8
The Peshtigo National Bank

5 Year CD

Term: 60 months

4.00%
APY
Observed: Oct 13, 2026
Min Deposit

$500

Branches

Yes

#9
Peoples State Bank of Plainview

60-Month CD

Term: 60 months

Up to3.96%
APY

Needs at least $35,000

Observed: Oct 7, 2026
Min Deposit

$250

Branches

Yes

#10
West Pointe Bank

60-Month CD

Term: 60 months

3.87%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#11
First State Bank and Trust

60 Months CD

Term: 60 months

3.80%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#12
GreenLeaf Bank

5 Year CD

Term: 60 months

3.55%
APY
Observed: Oct 3, 2026
Min Deposit

$1,000

Branches

Yes

#13
Farmers & Merchants State Bank

60 Month Reverse CD

Term: 60 months

3.50%
APY
Observed: Oct 13, 2026
Min Deposit

$500

Branches

Yes

#14
Bank of Deerfield

5 Year

Term: 60 months

3.28%
APY
Observed: Oct 13, 2026
Min Deposit

$500

Branches

Yes

#15
Gateway First Bank

60 Month CD

Term: 60 months

3.25%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#16
Bank of Luxemburg

60 Month CD

Term: 60 months

3.15%
APY
Observed: Oct 3, 2026
Min Deposit

$1,000

Branches

Yes

#17
Tri City National Bank

60 Month CD

Term: 60 months

3.15%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#18
Farmers & Merchants State Bank

60 Month CD

Term: 60 months

3.05%
APY
Observed: Oct 13, 2026
Min Deposit

$500

Branches

Yes

#19
Union Federal Savings and Loan Association

5 Year Certificate

Term: 60 months

3.03%
APY
Observed: Oct 13, 2026
Min Deposit

$200

Branches

Yes

#20
Waldo State Bank

60 Month CD

Term: 60 months

3.03%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#21
Waldo State Bank

60 Month Scholastic CD

Term: 60 months

3.03%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#22
Fidelity Bank & Trust

60 Month CD

Term: 60 months

Up to3.02%
APY

Needs at least $1,000,000

Observed: Oct 13, 2026
Min Deposit

N/A

Branches

Yes

#23
Horicon Bank

5 Year CD

Term: 60 months

3.02%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#24
Dairy State Bank

60-Month CD

Term: 60 months

Up to3.00%
APY

Needs at least $30,000

Observed: Oct 13, 2026
Min Deposit

N/A

Branches

Yes

#25
First Citizens State Bank

5 Year CD

Term: 60 months

3.00%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#26
Johnson Bank

60 Month CD

Term: 60 months

3.00%
APY
Observed: Oct 7, 2026
Min Deposit

$2,000

Branches

Yes

#27
National Exchange Bank and Trust

60 Month CD

Term: 60 months

3.00%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#28
Peoples State Bank

60 Month CD

Term: 60 months

3.00%
APY
Observed: Oct 7, 2026
Min Deposit

$2,500

Branches

Yes

#29
Ergo Bank

60 Month CD

Term: 60 months

2.92%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#30
The Pineries Bank

60 Month CD

Term: 60 months

2.90%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#31
The Farmers State Bank of Waupaca

60 Month CD

Term: 60 months

2.85%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#32
Farmers & Merchants Bank & Trust

60 Month CD

Term: 60 months

2.83%
APY
Observed: Oct 13, 2026
Min Deposit

$2,500

Branches

Yes

#33
AbbyBank

60 Month CD

Term: 60 months

2.75%
APY
Observed: Oct 7, 2026
Min Deposit

$1,500

Branches

Yes

2.75%
APY
Observed: Oct 13, 2026
Min Deposit

$1,000

Branches

Yes

#35
River Falls State Bank

60 Month Certificate of Deposit

Term: 60 months

2.73%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#36
Headwaters State Bank

5 Year CD

Term: 60 months

2.57%
APY
Observed: Oct 13, 2026
Min Deposit

$1,000

Branches

Yes

#37
Hiawatha National Bank

60 Month CD

Term: 60 months

2.57%
APY
Observed: Oct 13, 2026
Min Deposit

$500

Branches

N/A

2.47%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#39
KeySavings Bank

60 Month CD

Term: 60 months

2.27%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

N/A

#40
The Port Washington State Bank

5 Year CD

Term: 60 months

2.25%
APY

Needs at least $10,000

Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#41
Forward Bank

5 Year CD

Term: 60 months

Up to2.17%
APY

Needs at least $25,000

Observed: Oct 13, 2026
Min Deposit

$500

Branches

Yes

#42
FORTE BANK

60-Month CD

Term: 60 months

2.02%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#43
Bank of Luxemburg

60 Month Star Saver CD

Term: 60 months

1.75%
APY
Observed: Oct 3, 2026
Min Deposit

$250

Branches

Yes

#44
First State Bank

60-Month CD

Term: 60 months

1.71%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#45
One Community Bank

5 Year CD

Term: 60 months

1.60%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#46
The Bank of New Glarus

5 Year CD

Term: 60 months

1.50%
APY
Observed: Oct 7, 2026
Min Deposit

$2,000

Branches

Yes

#47
The Bank of Brodhead

5 Year Certificate of Deposit

Term: 60 months

1.40%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

N/A

#48
The Farmers & Merchants Bank

60 Month CD

Term: 60 months

1.35%
APY
Observed: Oct 13, 2026
Min Deposit

$500

Branches

Yes

#49
Citizens Bank

5 Year CD

Term: 60 months

1.25%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#50
BMO Bank

Standard CD 60 Month

Term: 60 months

0.75%
APY
Observed: Oct 9, 2026
Min Deposit

$1,000

Branches

Yes

Nationally Available 60-Month CD Rates

The 8 highest 60-Month CD rates available nationwide, including in Wisconsin.

InstitutionProduct / Term
Popular Direct
60 Months60 months
5.00%
Barclays
60-Month CD60 months
4.75%
Bread Savings
5-Year CD60 months
4.60%
Sallie Mae Bank
60-Month Certificates of deposit CDs60 months
4.50%
Synchrony Bank
60 Month CD60 months
4.50%
E*TRADE from Morgan Stanley
60-Month Certificates of Deposit60 months
4.40%
Marcus by Goldman Sachs
5 Year CD60 months
4.40%
KS StateBank
5 Year CD60 months
4.35%

See the full national list