APY Ledger

WESTconsin Credit Union CD & Share Certificate Rates — October 2026

As of October 22, 2026, WESTconsin Credit Union's highest tracked CD (share certificate) rate is 4.01% APY on a 12-month relationship CD ($1,000 minimum). That is 2.3 times the FDIC national average for 12-month CDs (1.76%).

Last verified from www.westconsincu.org · NCUA-insured credit union · Menomonie, WI

Tracking began .

Best APY4.01%12 months, $1,000 min
vs. Treasury−0.56%same-term Treasury 4.57%
vs. national average2.3×FDIC national average 1.76%
After inflation0.27%CPI 3.7% year over year
$10,000 earns$401over 12 months, before tax

WESTconsin Credit Union CD & share certificate rates

Membership required. Certificates from 3 to 60 months, including a 36-month Step Up certificate, with Basic, Silver and Gold MVP relationship levels; minimums are $1,000 for most terms and $5,000 for the 3-month and Step Up certificates. IRA and Health Savings certificates are excluded. Early withdrawal penalties may apply.

WESTconsin Credit Union CD rates
TermProductMinimumAPYvs. Treasury
3 months Share Certificate - Gold MVP Relationship $5,000 0.75%Verified October 22, 2026 −3.54%
3 months Share Certificate - Silver MVP Relationship $5,000 0.55%Verified October 22, 2026 −3.75%
3 months Share Certificate - Basic MVP Relationship $5,000 0.40%Verified October 22, 2026 −3.90%
6 months Share Certificate - Gold MVP Relationship $1,000 2.38%Verified October 22, 2026 −2.02%
6 months Share Certificate - Silver MVP Relationship $1,000 2.17%Verified October 22, 2026 −2.23%
6 months Share Certificate - Basic MVP Relationship $1,000 2.02%Verified October 22, 2026 −2.38%
12 months Share Certificate - Gold MVP Relationship $1,000 4.01%Verified October 22, 2026 −0.56%
12 months Share Certificate - Silver MVP Relationship $1,000 3.80%Verified October 22, 2026 −0.77%
12 months Share Certificate - Basic MVP Relationship $1,000 3.65%Verified October 22, 2026 −0.92%
18 months Share Certificate - Gold MVP Relationship $1,000 3.45%Verified October 22, 2026 −1.27%
18 months Share Certificate - Silver MVP Relationship $1,000 3.25%Verified October 22, 2026 −1.47%
18 months Share Certificate - Basic MVP Relationship $1,000 3.09%Verified October 22, 2026 −1.63%
24 months Share Certificate - Gold MVP Relationship $1,000 3.76%Verified October 22, 2026 −1.11%
24 months Share Certificate - Silver MVP Relationship $1,000 3.56%Verified October 22, 2026 −1.31%
24 months Share Certificate - Basic MVP Relationship $1,000 3.40%Verified October 22, 2026 −1.47%
36 months Share Certificate - Gold MVP Relationship $1,000 2.84%Verified October 22, 2026 −2.11%
36 months Share Certificate - Silver MVP Relationship $1,000 2.63%Verified October 22, 2026 −2.32%
36 months Share Certificate - Basic MVP Relationship $1,000 2.48%Verified October 22, 2026 −2.47%
36 months Share Certificate Step Up - Gold MVP Relationship $5,000 2.38%Verified October 22, 2026 −2.57%
36 months Share Certificate Step Up - Silver MVP Relationship $5,000 2.17%Verified October 22, 2026 −2.78%
36 months Share Certificate Step Up - Basic MVP Relationship $5,000 2.02%Verified October 22, 2026 −2.93%
48 months Share Certificate - Gold MVP Relationship $1,000 2.94%Verified October 22, 2026 −2.04%
48 months Share Certificate - Silver MVP Relationship $1,000 2.73%Verified October 22, 2026 −2.25%
48 months Share Certificate - Basic MVP Relationship $1,000 2.58%Verified October 22, 2026 −2.40%
60 months Share Certificate - Gold MVP Relationship $1,000 3.04%Verified October 22, 2026 −1.97%
60 months Share Certificate - Silver MVP Relationship $1,000 2.84%Verified October 22, 2026 −2.17%
60 months Share Certificate - Basic MVP Relationship $1,000 2.68%Verified October 22, 2026 −2.33%

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 WESTconsin Credit Union's best CD rates by term?

WESTconsin Credit Union's best rate is 4.01% APY on 12 months, verified October 22, 2026.

  1. 3 mo0.75%
  2. 6 mo2.38%
  3. 12 mo4.01%
  4. 18 mo3.45%
  5. 24 mo3.76%
  6. 36 mo2.84%
  7. 48 mo2.94%
  8. 60 mo3.04%

Calculate earnings at 4.01% for 12 months

How much interest could a WESTconsin 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.

$401.00 interest · $10,401.00 at maturity on $10,000.00.

4.01% APY · 12 months · Share Certificate - Gold MVP · Relationship · verified October 22, 2026.

Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.

Add a CD maturity reminder

Estimated CD interest at maturity — conditional on quoted APY eligibility
Term$5,000$10,000$25,000$50,000
3 months$9.320.75% APY · Share Certificate - Gold MVP · Relationship$18.650.75% APY · Share Certificate - Gold MVP · Relationship$46.620.75% APY · Share Certificate - Gold MVP · Relationship$93.230.75% APY · Share Certificate - Gold MVP · Relationship
6 months$59.312.38% APY · Share Certificate - Gold MVP · Relationship$118.632.38% APY · Share Certificate - Gold MVP · Relationship$296.572.38% APY · Share Certificate - Gold MVP · Relationship$593.132.38% APY · Share Certificate - Gold MVP · Relationship
12 months$200.504.01% APY · Share Certificate - Gold MVP · Relationship$401.004.01% APY · Share Certificate - Gold MVP · Relationship$1,002.504.01% APY · Share Certificate - Gold MVP · Relationship$2,005.004.01% APY · Share Certificate - Gold MVP · Relationship
18 months$261.213.45% APY · Share Certificate - Gold MVP · Relationship$522.433.45% APY · Share Certificate - Gold MVP · Relationship$1,306.073.45% APY · Share Certificate - Gold MVP · Relationship$2,612.133.45% APY · Share Certificate - Gold MVP · Relationship
24 months$383.073.76% APY · Share Certificate - Gold MVP · Relationship$766.143.76% APY · Share Certificate - Gold MVP · Relationship$1,915.343.76% APY · Share Certificate - Gold MVP · Relationship$3,830.693.76% APY · Share Certificate - Gold MVP · Relationship
36 months$438.212.84% APY · Share Certificate - Gold MVP · Relationship$876.432.84% APY · Share Certificate - Gold MVP · Relationship$2,191.062.84% APY · Share Certificate - Gold MVP · Relationship$4,382.132.84% APY · Share Certificate - Gold MVP · Relationship
48 months$614.442.94% APY · Share Certificate - Gold MVP · Relationship$1,228.892.94% APY · Share Certificate - Gold MVP · Relationship$3,072.212.94% APY · Share Certificate - Gold MVP · Relationship$6,144.432.94% APY · Share Certificate - Gold MVP · Relationship
60 months$807.633.04% APY · Share Certificate - Gold MVP · Relationship$1,615.273.04% APY · Share Certificate - Gold MVP · Relationship$4,038.173.04% APY · Share Certificate - Gold MVP · Relationship$8,076.343.04% APY · Share Certificate - Gold MVP · Relationship

How WESTconsin 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 365-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.

This quote ranks 59 of 233 tracked institutions with fresh 365-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.

WESTconsin Credit Union CD rate comparison
Institution / benchmarkTermMinimumQuote coverageAPYVerified / source date
WESTconsin Credit Union (this institution)Share Certificate - Gold MVP · Relationship12 months$1,000 Coverage: WI4.01%October 22, 2026
Popular DirectCertificate of Deposit · Standard12 months$10,000 Nationwide; check eligibility4.60%October 22, 2026
E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional12 monthsNot stated Nationwide; check eligibility4.55%October 22, 2026
Barclays12 Month CD · Standard12 monthsNot stated Nationwide; check eligibility4.50%October 22, 2026
Truliant Federal Credit Union (highest tracked APY for this term)Limited-Time 12 Month Term (new external funds required) · Promotional12 months$5,000 Coverage: NC, SC, VA5.00%October 22, 2026
Treasury (APY-equivalent)12 months (term-matched estimate)Depends on purchase methodFederal; interest exempt from state income tax4.57%2026-10-21

Rate changes

See changes across all tracked institutions

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

About WESTconsin Credit Union

Legal name
Westconsin Credit Union
Regulator ID
NCUA 66742
Headquarters
Menomonie, WI
Available in
WI
Total assets
$2.3 billion
Also known as
Website
www.westconsincu.org

Source: rates read from https://www.westconsincu.org/rates/savings-rates. See the page text we read.

Frequently asked questions

What is the highest CD rate at WESTconsin Credit Union?

Among the rates we track, 4.01% APY on a 12-month relationship CD, as of October 22, 2026.

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

The lowest minimum we found is $1,000; jumbo and higher balance tiers start at up to $5,000.

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

4.01% APY is −0.56% versus the 12-month Treasury yield of 4.57% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.

Is 4.01% a good CD rate?

It is 2.3 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 WESTconsin Credit Union CDs insured?

WESTconsin Credit Union is a federally insured credit union (NCUA 66742). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.

What is a share certificate at WESTconsin 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 WESTconsin 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 WESTconsin Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with WESTconsin Credit Union before opening an account. This page is not financial advice.