Horicon Bank CD Rates — October 2026
As of October 22, 2026, Horicon Bank's highest tracked CD rate is 3.78% APY on a 24-month CD ($1,000 minimum). That is 2.4 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 3.02% to 3.78% APY.
Tracking began .
Horicon Bank CD rates
Published CD rates from 31 days to 5 years, each with a $1,000 minimum. Early withdrawal penalties may apply.
| Term | Product | APY |
|---|---|---|
| 31 days | 31 Day CD | 3.04%Verified October 22, 2026 |
| 91 days | 91 Day CD | 3.03%Top 41% · $10k reference sampleVerified October 22, 2026 |
| 182 days | 182 Day CD (6 Month) | 3.48%Verified October 22, 2026 |
| 12 months | 1 Year CD | 3.48%Top 60% · $10k reference sampleVerified October 22, 2026 |
| 18 months | 1 1/2 Year CD (18 Month) | 3.69%Top 49% · $10k reference sampleVerified October 22, 2026 |
| 24 months | 2 Year CD | 3.78%Top 33% · $10k reference sampleVerified October 22, 2026 |
| 36 months | 3 Year CD | 3.02%Top 59% · $10k reference sampleVerified October 22, 2026 |
| 48 months | 4 Year CD | 3.02%Top 55% · $10k reference sampleVerified October 22, 2026 |
| 60 months | 5 Year CD | 3.02%Top 58% · $10k reference sampleVerified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Horicon Bank's best CD rates by term?
Horicon Bank's best rate is 3.78% APY on 24 months, verified October 22, 2026.
- 31 days3.04%
- 91 days3.03%
- 182 days3.48%
- 12 mo3.48%
- 18 mo3.69%
- 24 mo3.78%
- 36 mo3.02%
- 48 mo3.02%
- 60 mo3.02%
How much interest could a Horicon Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$770.29 interest · $10,770.29 at maturity on $10,000.00.
3.78% APY · 24 months · 2 Year CD · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 31 days | $12.733.04% APY · 31 Day CD · Standard | $25.473.04% APY · 31 Day CD · Standard | $63.673.04% APY · 31 Day CD · Standard | $127.333.04% APY · 31 Day CD · Standard |
| 91 days | $37.353.03% APY · 91 Day CD · Standard | $74.703.03% APY · 91 Day CD · Standard | $186.753.03% APY · 91 Day CD · Standard | $373.493.03% APY · 91 Day CD · Standard |
| 182 days | $86.023.48% APY · 182 Day CD (6 Month) · Standard | $172.043.48% APY · 182 Day CD (6 Month) · Standard | $430.093.48% APY · 182 Day CD (6 Month) · Standard | $860.183.48% APY · 182 Day CD (6 Month) · Standard |
| 12 months | $174.003.48% APY · 1 Year CD · Standard | $348.003.48% APY · 1 Year CD · Standard | $870.003.48% APY · 1 Year CD · Standard | $1,740.003.48% APY · 1 Year CD · Standard |
| 18 months | $279.553.69% APY · 1 1/2 Year CD (18 Month) · Standard | $559.103.69% APY · 1 1/2 Year CD (18 Month) · Standard | $1,397.753.69% APY · 1 1/2 Year CD (18 Month) · Standard | $2,795.503.69% APY · 1 1/2 Year CD (18 Month) · Standard |
| 24 months | $385.143.78% APY · 2 Year CD · Standard | $770.293.78% APY · 2 Year CD · Standard | $1,925.723.78% APY · 2 Year CD · Standard | $3,851.443.78% APY · 2 Year CD · Standard |
| 36 months | $466.823.02% APY · 3 Year CD · Standard | $933.643.02% APY · 3 Year CD · Standard | $2,334.093.02% APY · 3 Year CD · Standard | $4,668.183.02% APY · 3 Year CD · Standard |
| 48 months | $631.923.02% APY · 4 Year CD · Standard | $1,263.833.02% APY · 4 Year CD · Standard | $3,159.583.02% APY · 4 Year CD · Standard | $6,319.163.02% APY · 4 Year CD · Standard |
| 60 months | $802.003.02% APY · 5 Year CD · Standard | $1,604.003.02% APY · 5 Year CD · Standard | $4,010.003.02% APY · 5 Year CD · Standard | $8,020.003.02% APY · 5 Year CD · Standard |
How Horicon Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 730-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 78 of 221 tracked institutions with fresh 730-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Horicon Bank (this institution)2 Year CD · Standard | 24 months | $1,000 | Coverage: WI | 3.78% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 24 months | Not stated | Nationwide; check eligibility | 4.80% | October 22, 2026 |
| Popular DirectCertificate of Deposit · Standard | 24 months | $10,000 | Nationwide; check eligibility | 4.80% | October 22, 2026 |
| Barclays24 Month CD · Standard | 24 months | Not stated | Nationwide; check eligibility | 4.75% | October 22, 2026 |
| Tower Federal Credit Union (highest tracked APY for this term)Regular Share Certificate · Standard | 24 months | $500 | Coverage: MD | 5.20% | October 22, 2026 |
| Treasury (APY-equivalent) | 24 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.87% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Horicon Bank on October 22, 2026.
About Horicon Bank
- Legal name
- Horicon Bank
- Regulator ID
- FDIC 11236
- Headquarters
- Horicon, WI
- Available in
- WI
- Total assets
- $1.7 billion
- Also known as
- Website
- www.horiconbank.com
Source: rates read from https://www.horiconbank.com/cds.html. See the page text we read.
Frequently asked questions
What is the highest CD rate at Horicon Bank?
Among the rates we track, 3.78% APY on a 24-month CD, as of October 22, 2026.
What is the minimum deposit for a Horicon Bank CD?
The lowest minimum we found is $1,000.
How does Horicon Bank's best CD rate compare with Treasury yields?
3.78% APY is −1.09% versus the 24-month Treasury yield of 4.87% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.78% a good CD rate?
It is 2.4 times the FDIC national average for a similar term (1.55% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Horicon Bank CDs insured?
Horicon Bank is an FDIC-insured bank (FDIC 11236). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Horicon Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Horicon Bank's website and may change at any time. Confirm terms, minimums and eligibility with Horicon Bank before opening an account. This page is not financial advice.