UW Credit Union CD & Share Certificate Rates — October 2026

Also known as UWCU, University of Wisconsin Credit Union.

As of October 22, 2026, UW Credit Union's highest tracked CD (share certificate) rate is 4.25% APY on a 14-month promotional CD ($250,000 minimum). That is 2.4 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 2.75% to 3.35% APY.

Last verified October 22, 2026 from www.uwcu.org · NCUA-insured credit union · Madison, WI

Tracking began October 22, 2026.

Best APY4.25%14 months, $250,000 min

vs. Treasury−0.37%same-term Treasury 4.62%

vs. national average2.4×FDIC national average 1.76%

After inflation0.51%CPI 3.7% year over year

$10,000 earns$498over 14 months, before tax

UW Credit Union CD & share certificate rates

Membership is required and depends on qualifying location, employment, school or family connections; some geographic paths use a five-mile branch area. Rates cover regular, special, Rate Bump, No Penalty and Smart Saver certificates with separate balance tiers. The official disclosure fixes ordinary, special and Smart Saver rates for the initial term; Rate Bump permits one member-elected increase. Smart Saver requires $250 with at least $25 per month in automatic/Web Branch deposits, otherwise $500, with a $100,000 maximum. Smart Saver Plus has a December withdrawal feature. No Penalty withdrawals begin after five business days; falling below a balance tier closes the certificate. Other early withdrawal penalties may apply.

UW Credit Union CD rates
Term	Product	Minimum	APY	vs. Treasury
3 months	Regular Certificate	$250,000	2.85%Verified October 22, 2026	−1.44%
3 months	Regular Certificate	$10,000	2.80%Verified October 22, 2026	−1.50%
3 months	Regular Certificate	$500	2.75%Verified October 22, 2026	−1.54%
6 months	Regular Certificate	$250,000	3.10%Verified October 22, 2026	−1.30%
6 months	Regular Certificate	$10,000	3.05%Verified October 22, 2026	−1.35%
6 months	Regular Certificate	$500	3.00%Verified October 22, 2026	−1.40%
7 months	Special Certificate Promotional	$250,000	4.10%Verified October 22, 2026	−0.33%
7 months	Special Certificate Promotional	$10,000	4.05%Verified October 22, 2026	−0.38%
7 months	Special Certificate Promotional	$5,000	4.00%Verified October 22, 2026	−0.43%
9 months	Regular Certificate	$250,000same APY in 2 balance tiers	3.35%Verified October 22, 2026	−1.13%
9 months	Regular Certificate	$10,000same APY in 2 balance tiers	3.30%Verified October 22, 2026	−1.18%
9 months	Regular Certificate	$500	3.25%Verified October 22, 2026	−1.23%
9 months	No Penalty Certificate Special	$5,000	3.25%Verified October 22, 2026	−1.23%
12 months	Regular Certificate	$250,000	3.35%Verified October 22, 2026	−1.22%
12 months	Regular Certificate	$10,000	3.30%Verified October 22, 2026	−1.27%
12 months	Regular Certificate	$500	3.25%Verified October 22, 2026	−1.32%
12 months	Smart Saver Plus Certificate Special	$10,000	0.72%Verified October 22, 2026	−3.85%
12 months	Smart Saver Plus Certificate Special	$250	0.67%Verified October 22, 2026	−3.90%
14 months	Special Certificate Promotional	$250,000	4.25%Verified October 22, 2026	−0.37%
14 months	Special Certificate Promotional	$10,000	4.20%Verified October 22, 2026	−0.42%
14 months	Special Certificate Promotional	$5,000	4.15%Verified October 22, 2026	−0.47%
18 months	Regular Certificate	$250,000	3.35%Verified October 22, 2026	−1.37%
18 months	Regular Certificate	$10,000	3.30%Verified October 22, 2026	−1.42%
18 months	Regular Certificate	$500	3.25%Verified October 22, 2026	−1.47%
18 months	Smart Saver Certificate Special	$10,000	1.60%Verified October 22, 2026	−3.12%
18 months	Smart Saver Certificate Special	$250	1.55%Verified October 22, 2026	−3.17%
24 months	Rate Bump Certificate Special	$250,000	3.60%Verified October 22, 2026	−1.27%
24 months	Rate Bump Certificate Special	$5,000	3.50%Verified October 22, 2026	−1.37%
24 months	Regular Certificate	$250,000	3.35%Verified October 22, 2026	−1.52%
24 months	Regular Certificate	$10,000	3.30%Verified October 22, 2026	−1.57%
24 months	Regular Certificate	$500	3.25%Verified October 22, 2026	−1.62%
30 months	Regular Certificate	$250,000	3.35%Verified October 22, 2026	−1.56%
30 months	Regular Certificate	$10,000	3.30%Verified October 22, 2026	−1.61%
30 months	Regular Certificate	$500	3.25%Verified October 22, 2026	−1.66%
30 months	Smart Saver Certificate Special	$10,000	1.75%Verified October 22, 2026	−3.16%
30 months	Smart Saver Certificate Special	$250	1.70%Verified October 22, 2026	−3.21%
36 months	Regular Certificate	$250,000	3.35%Verified October 22, 2026	−1.60%
36 months	Regular Certificate	$10,000	3.30%Verified October 22, 2026	−1.65%
36 months	Regular Certificate	$500	3.25%Verified October 22, 2026	−1.70%
48 months	Regular Certificate	$250,000	3.35%Verified October 22, 2026	−1.63%
48 months	Regular Certificate	$10,000	3.30%Verified October 22, 2026	−1.68%
48 months	Regular Certificate	$500	3.25%Verified October 22, 2026	−1.73%
60 months	Regular Certificate	$250,000	3.35%Verified October 22, 2026	−1.66%
60 months	Regular Certificate	$10,000	3.30%Verified October 22, 2026	−1.71%
60 months	Regular Certificate	$500	3.25%Verified October 22, 2026	−1.76%

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 4.25% APY (14 months). The standard rate for a similar term is 3.35% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $90 less per year. Check the account terms and set a reminder before maturity.

Calculate the cost of auto-renewal

What are UW Credit Union's best CD rates by term?

UW Credit Union's best rate is 4.25% APY on 14 months, verified October 22, 2026.

3 mo2.85%
6 mo3.10%
7 mo4.10%
9 mo3.35%
12 mo3.35%
14 mo4.25%
18 mo3.35%
24 mo3.60%
30 mo3.35%
36 mo3.35%
48 mo3.35%
60 mo3.35%

Calculate earnings at 4.25% for 14 months

How much interest could a UW Credit Union 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.

Estimated CD interest at maturity — conditional on quoted APY eligibility
Term	$5,000	$10,000	$25,000	$50,000
3 months	$33.932.75% APY · Regular Certificate · Standard	$69.092.80% APY · Regular Certificate · Standard	$172.722.80% APY · Regular Certificate · Standard	$345.432.80% APY · Regular Certificate · Standard
6 months	$74.653.00% APY · Regular Certificate · Standard	$151.773.05% APY · Regular Certificate · Standard	$379.433.05% APY · Regular Certificate · Standard	$758.863.05% APY · Regular Certificate · Standard
9 months	$121.503.25% APY · No Penalty Certificate · Special	$246.723.30% APY · Regular Certificate · Standard	$616.803.30% APY · Regular Certificate · Standard	$1,233.603.30% APY · Regular Certificate · Standard
12 months	$162.503.25% APY · Regular Certificate · Standard	$330.003.30% APY · Regular Certificate · Standard	$825.003.30% APY · Regular Certificate · Standard	$1,650.003.30% APY · Regular Certificate · Standard
14 months	$243.014.15% APY · Special Certificate · Promotional	$491.894.20% APY · Special Certificate · Promotional	$1,229.734.20% APY · Special Certificate · Promotional	$2,459.464.20% APY · Special Certificate · Promotional
18 months	$245.953.25% APY · Regular Certificate · Standard	$499.533.30% APY · Regular Certificate · Standard	$1,248.823.30% APY · Regular Certificate · Standard	$2,497.643.30% APY · Regular Certificate · Standard
24 months	$356.123.50% APY · Rate Bump Certificate · Special	$712.253.50% APY · Rate Bump Certificate · Special	$1,780.623.50% APY · Rate Bump Certificate · Special	$3,561.253.50% APY · Rate Bump Certificate · Special
60 months	$867.063.25% APY · Regular Certificate · Standard	$1,762.553.30% APY · Regular Certificate · Standard	$4,406.383.30% APY · Regular Certificate · Standard	$8,812.773.30% APY · Regular Certificate · Standard

How UW Credit Union compares

Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 426-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.

This quote ranks 2 of 12 tracked institutions with fresh 426-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.

UW Credit Union CD rate comparison
Institution / benchmark	Term	Minimum	Quote coverage	APY	Verified / source date
UW Credit Union (this institution)Special Certificate · Promotional	14 months	$250,000	Coverage: WI	4.25%	October 22, 2026
Synchrony Bank (highest tracked APY for this term)CD · Standard	14 months	Not stated	Nationwide; check eligibility	4.30%	October 22, 2026
American Express National BankCertificate of Deposit (CD) · Promotional	14 months	Not stated	Nationwide; check eligibility	3.65%	October 22, 2026
Treasury (APY-equivalent)	14 months (term-matched estimate)	Depends on purchase method	Federal; interest exempt from state income tax	4.62%	2026-10-21

Rate changes

See changes across all tracked institutions

No changes since we started tracking UW Credit Union on October 22, 2026.

About UW Credit Union

Legal name: University Of Wisconsin Credit Union
Regulator ID: NCUA 66492
Headquarters: Madison, WI
Available in: WI
Total assets: $6.7 billion
Also known as: UWCU, University of Wisconsin Credit Union
Website: www.uwcu.org

Source: rates read from https://www.uwcu.org/rates/certificates. See the page text we read.

Frequently asked questions

What is the highest CD rate at UW Credit Union?

Among the rates we track, 4.25% APY on a 14-month promotional CD, as of October 22, 2026.

What is the minimum deposit for a UW Credit Union CD?

The lowest minimum we found is $250; jumbo and higher balance tiers start at up to $250,000.

How does UW Credit Union's best CD rate compare with Treasury yields?

4.25% APY is −0.37% versus the 14-month Treasury yield of 4.62% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.

Is 4.25% a good CD rate?

It is 2.4 times the FDIC national average for a similar term (1.76% 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 UW Credit Union CDs insured?

UW Credit Union is a federally insured credit union (NCUA 66492). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.

What is a share certificate at UW Credit Union?

A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.

How often is this page updated?

We check UW Credit Union's rate page every day. The rates above were last verified on October 22, 2026.

More credit union certificate rates

Rates are copied from UW Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with UW Credit Union before opening an account. This page is not financial advice.