# UW Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/uw-credit-union
Institution: University Of Wisconsin Credit Union (NCUA 66492)
Aliases: UWCU, University of Wisconsin Credit Union
Status: live
Last verified: 2026-10-22T14:31:08.000Z (October 22, 2026)
Official source: https://www.uwcu.org/rates/certificates
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Regular Certificate | standard | 3 months | $250,000 | 2.85% | Not ZIP-priced | −1.44% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Regular Certificate | standard | 3 months | $10,000 | 2.80% | Not ZIP-priced | −1.50% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Regular Certificate | standard | 3 months | $500 | 2.75% | Not ZIP-priced | −1.54% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Regular Certificate | standard | 6 months | $250,000 | 3.10% | Not ZIP-priced | −1.30% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Regular Certificate | standard | 6 months | $10,000 | 3.05% | Not ZIP-priced | −1.35% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Regular Certificate | standard | 6 months | $500 | 3.00% | Not ZIP-priced | −1.40% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Special Certificate | promotional | 7 months | $250,000 | 4.10% | Not ZIP-priced | −0.33% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Special Certificate | promotional | 7 months | $10,000 | 4.05% | Not ZIP-priced | −0.38% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Special Certificate | promotional | 7 months | $5,000 | 4.00% | Not ZIP-priced | −0.43% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Regular Certificate | standard | 9 months | $250,000 | 3.35% | Not ZIP-priced | −1.13% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Regular Certificate | standard | 9 months | $250,000 | 3.35% | Not ZIP-priced | −1.13% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Regular Certificate | standard | 9 months | $10,000 | 3.30% | Not ZIP-priced | −1.18% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Regular Certificate | standard | 9 months | $10,000 | 3.30% | Not ZIP-priced | −1.18% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Regular Certificate | standard | 9 months | $500 | 3.25% | Not ZIP-priced | −1.23% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| No Penalty Certificate | special | 9 months | $5,000 | 3.25% | Not ZIP-priced | −1.23% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Regular Certificate | standard | 12 months | $250,000 | 3.35% | Not ZIP-priced | −1.22% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Regular Certificate | standard | 12 months | $10,000 | 3.30% | Not ZIP-priced | −1.27% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Regular Certificate | standard | 12 months | $500 | 3.25% | Not ZIP-priced | −1.32% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Smart Saver Plus Certificate | special | 12 months | $10,000 | 0.72% | Not ZIP-priced | −3.85% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Smart Saver Plus Certificate | special | 12 months | $250 | 0.67% | Not ZIP-priced | −3.90% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Special Certificate | promotional | 14 months | $250,000 | 4.25% | Not ZIP-priced | −0.37% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Special Certificate | promotional | 14 months | $10,000 | 4.20% | Not ZIP-priced | −0.42% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Special Certificate | promotional | 14 months | $5,000 | 4.15% | Not ZIP-priced | −0.47% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Regular Certificate | standard | 18 months | $250,000 | 3.35% | Not ZIP-priced | −1.37% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Regular Certificate | standard | 18 months | $10,000 | 3.30% | Not ZIP-priced | −1.42% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Regular Certificate | standard | 18 months | $500 | 3.25% | Not ZIP-priced | −1.47% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Smart Saver Certificate | special | 18 months | $10,000 | 1.60% | Not ZIP-priced | −3.12% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Smart Saver Certificate | special | 18 months | $250 | 1.55% | Not ZIP-priced | −3.17% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Rate Bump Certificate | special | 24 months | $250,000 | 3.60% | Not ZIP-priced | −1.27% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Rate Bump Certificate | special | 24 months | $5,000 | 3.50% | Not ZIP-priced | −1.37% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Regular Certificate | standard | 24 months | $250,000 | 3.35% | Not ZIP-priced | −1.52% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Regular Certificate | standard | 24 months | $10,000 | 3.30% | Not ZIP-priced | −1.57% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Regular Certificate | standard | 24 months | $500 | 3.25% | Not ZIP-priced | −1.62% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Regular Certificate | standard | 30 months | $250,000 | 3.35% | Not ZIP-priced | −1.56% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Regular Certificate | standard | 30 months | $10,000 | 3.30% | Not ZIP-priced | −1.61% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Regular Certificate | standard | 30 months | $500 | 3.25% | Not ZIP-priced | −1.66% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Smart Saver Certificate | special | 30 months | $10,000 | 1.75% | Not ZIP-priced | −3.16% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Smart Saver Certificate | special | 30 months | $250 | 1.70% | Not ZIP-priced | −3.21% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Regular Certificate | standard | 36 months | $250,000 | 3.35% | Not ZIP-priced | −1.60% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Regular Certificate | standard | 36 months | $10,000 | 3.30% | Not ZIP-priced | −1.65% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Regular Certificate | standard | 36 months | $500 | 3.25% | Not ZIP-priced | −1.70% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Regular Certificate | standard | 48 months | $250,000 | 3.35% | Not ZIP-priced | −1.63% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Regular Certificate | standard | 48 months | $10,000 | 3.30% | Not ZIP-priced | −1.68% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Regular Certificate | standard | 48 months | $500 | 3.25% | Not ZIP-priced | −1.73% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Regular Certificate | standard | 60 months | $250,000 | 3.35% | Not ZIP-priced | −1.66% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Regular Certificate | standard | 60 months | $10,000 | 3.30% | Not ZIP-priced | −1.71% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |
| Regular Certificate | standard | 60 months | $500 | 3.25% | Not ZIP-priced | −1.76% | 2026-10-22T14:31:08.000Z | [Snapshot 302](https://apyledger.com/snapshots/302) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.