Port Washington State Bank CD Rates — October 2026
As of October 22, 2026, Port Washington State Bank's highest tracked CD rate is 4.15% APY on an 18-month promotional CD ($1,000 minimum). That is 2.7 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 0.50% to 2.25% APY.
Tracking began .
Port Washington State Bank CD rates
9- and 18-month CD specials and standard CDs from 90 days to 5 years with a $1,000 minimum; 1- to 5-year rates are higher from $10,000. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 90 days | 90-Day CD | $1,000 | 0.50% | −3.79% | Verified October 22, 2026 |
| 182 days | 182-Day CD | $1,000 | 0.75% | −3.65% | Verified October 22, 2026 |
| 9 months | 9-Month CD Special Promotional | $1,000 | 3.82% | −0.66% | Top 33% of tracked 9-month CDs · Verified October 22, 2026 |
| 12 months | 1-Year CD | $10,000 | 2.25% | −2.32% | Top 80% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | 1-Year CD | $1,000 | 2.15% | −2.42% | Top 81% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | 18-Month CD Special Promotional | $1,000 | 4.15% | −0.57% | Top 19% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | 2-Year CD | $10,000 | 2.25% | −2.62% | Top 77% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | 2-Year CD | $1,000 | 2.15% | −2.72% | Top 78% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | 3-Year CD | $10,000 | 2.25% | −2.70% | Top 74% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | 3-Year CD | $1,000 | 2.15% | −2.80% | Top 75% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | 4-Year CD | $10,000 | 2.25% | −2.73% | Top 73% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | 4-Year CD | $1,000 | 2.15% | −2.83% | Top 73% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | 5-Year CD | $10,000 | 2.25% | −2.76% | Top 74% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | 5-Year CD | $1,000 | 2.15% | −2.86% | Top 75% of tracked 60-month CDs · Verified 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.
Watch the renewal rate
The best promotional rate here is 4.15% APY (18 months). The standard rate for a similar term is 2.25% APY (24 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $190 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are Port Washington State Bank's best CD rates by term?
Port Washington State Bank's best rate is 4.15% APY on 18 months, verified October 22, 2026.
- 90 days0.50%
- 182 days0.75%
- 9 mo3.82%
- 12 mo2.25%
- 18 mo4.15%
- 24 mo2.25%
- 36 mo2.25%
- 48 mo2.25%
- 60 mo2.25%
How much interest could a Port Washington State 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.
$629.51 interest · $10,629.51 at maturity on $10,000.00.
4.15% APY · 18 months · 18-Month CD Special · Promotional · 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 |
|---|---|---|---|---|
| 90 days | $6.150.50% APY · 90-Day CD · Standard | $12.310.50% APY · 90-Day CD · Standard | $30.760.50% APY · 90-Day CD · Standard | $61.530.50% APY · 90-Day CD · Standard |
| 182 days | $18.660.75% APY · 182-Day CD · Standard | $37.330.75% APY · 182-Day CD · Standard | $93.320.75% APY · 182-Day CD · Standard | $186.640.75% APY · 182-Day CD · Standard |
| 9 months | $142.713.82% APY · 9-Month CD Special · Promotional | $285.423.82% APY · 9-Month CD Special · Promotional | $713.543.82% APY · 9-Month CD Special · Promotional | $1,427.093.82% APY · 9-Month CD Special · Promotional |
| 12 months | $107.502.15% APY · 1-Year CD · Standard | $225.002.25% APY · 1-Year CD · Standard | $562.502.25% APY · 1-Year CD · Standard | $1,125.002.25% APY · 1-Year CD · Standard |
| 18 months | $314.754.15% APY · 18-Month CD Special · Promotional | $629.514.15% APY · 18-Month CD Special · Promotional | $1,573.774.15% APY · 18-Month CD Special · Promotional | $3,147.534.15% APY · 18-Month CD Special · Promotional |
| 24 months | $217.312.15% APY · 2-Year CD · Standard | $455.062.25% APY · 2-Year CD · Standard | $1,137.662.25% APY · 2-Year CD · Standard | $2,275.312.25% APY · 2-Year CD · Standard |
| 36 months | $329.482.15% APY · 3-Year CD · Standard | $690.302.25% APY · 3-Year CD · Standard | $1,725.752.25% APY · 3-Year CD · Standard | $3,451.512.25% APY · 3-Year CD · Standard |
| 48 months | $444.072.15% APY · 4-Year CD · Standard | $930.832.25% APY · 4-Year CD · Standard | $2,327.082.25% APY · 4-Year CD · Standard | $4,654.172.25% APY · 4-Year CD · Standard |
| 60 months | $561.112.15% APY · 5-Year CD · Standard | $1,176.782.25% APY · 5-Year CD · Standard | $2,941.942.25% APY · 5-Year CD · Standard | $5,883.882.25% APY · 5-Year CD · Standard |
How Port Washington State Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 548-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 60 of 331 tracked institutions with fresh 548-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 | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Port Washington State Bank (this institution)18-Month CD Special · Promotional | 18 months | $1,000 | Branches in WI | 4.15% | October 22, 2026 |
| Bread SavingsBread Savings CD · Standard | 18 months | $1,500 | Available nationwide | 4.85% | October 22, 2026 |
| Popular DirectCD · Standard | 18 months | $10,000 | Available nationwide | 4.75% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Standard | 18 months | Not stated | Available nationwide | 4.55% | October 22, 2026 |
| Kirtland Federal Credit Union (highest tracked APY for this term)18-Month Limited-Time Share Certificate · Promotional | 18 months | $500 | Membership required · branches in NM | 5.12% | October 22, 2026 |
| Treasury (APY-equivalent) | 18 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.72% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Port Washington State Bank on October 22, 2026.
About Port Washington State Bank
- Legal name
- The Port Washington State Bank
- Regulator ID
- FDIC 8698
- Headquarters
- Port Washington, WI
- Available in
- WI
- Total assets
- $1.0 billion
- Also known as
- Website
- www.pwsb.bank
Source: rates read from https://pwsb.bank/certificate-of-deposit-cd.html. See the page text we read.
Frequently asked questions
What is the highest CD rate at Port Washington State Bank?
Among the rates we track, 4.15% APY on an 18-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Port Washington State Bank CD?
The lowest minimum we found is $1,000; jumbo and higher balance tiers start at up to $10,000.
How does Port Washington State Bank's best CD rate compare with Treasury yields?
4.15% APY is −0.57% versus the 18-month Treasury yield of 4.72% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.15% a good CD rate?
It is 2.7 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 Port Washington State Bank CDs insured?
Port Washington State Bank is an FDIC-insured bank (FDIC 8698). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Port Washington State Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Port Washington State Bank's website and may change at any time. Confirm terms, minimums and eligibility with Port Washington State Bank before opening an account. This page is not financial advice.