# WESTconsin Credit Union CD and share certificate rates

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%).

Canonical page: https://apyledger.com/cd-rates/westconsin-credit-union
Institution: Westconsin Credit Union (NCUA 66742)
Aliases: 
Status: live
Last verified: 2026-10-22T16:25:54.000Z (October 22, 2026)
Official source: https://www.westconsincu.org/rates/savings-rates
Coverage: 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.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Share Certificate - Gold MVP | relationship | 3 months | $5,000 | 0.75% | Not ZIP-priced | −3.54% | 2026-10-22T16:25:54.000Z | [Snapshot 422](https://apyledger.com/snapshots/422) |
| Share Certificate - Silver MVP | relationship | 3 months | $5,000 | 0.55% | Not ZIP-priced | −3.75% | 2026-10-22T16:25:54.000Z | [Snapshot 422](https://apyledger.com/snapshots/422) |
| Share Certificate - Basic MVP | relationship | 3 months | $5,000 | 0.40% | Not ZIP-priced | −3.90% | 2026-10-22T16:25:54.000Z | [Snapshot 422](https://apyledger.com/snapshots/422) |
| Share Certificate - Gold MVP | relationship | 6 months | $1,000 | 2.38% | Not ZIP-priced | −2.02% | 2026-10-22T16:25:54.000Z | [Snapshot 422](https://apyledger.com/snapshots/422) |
| Share Certificate - Silver MVP | relationship | 6 months | $1,000 | 2.17% | Not ZIP-priced | −2.23% | 2026-10-22T16:25:54.000Z | [Snapshot 422](https://apyledger.com/snapshots/422) |
| Share Certificate - Basic MVP | relationship | 6 months | $1,000 | 2.02% | Not ZIP-priced | −2.38% | 2026-10-22T16:25:54.000Z | [Snapshot 422](https://apyledger.com/snapshots/422) |
| Share Certificate - Gold MVP | relationship | 12 months | $1,000 | 4.01% | Not ZIP-priced | −0.56% | 2026-10-22T16:25:54.000Z | [Snapshot 422](https://apyledger.com/snapshots/422) |
| Share Certificate - Silver MVP | relationship | 12 months | $1,000 | 3.80% | Not ZIP-priced | −0.77% | 2026-10-22T16:25:54.000Z | [Snapshot 422](https://apyledger.com/snapshots/422) |
| Share Certificate - Basic MVP | relationship | 12 months | $1,000 | 3.65% | Not ZIP-priced | −0.92% | 2026-10-22T16:25:54.000Z | [Snapshot 422](https://apyledger.com/snapshots/422) |
| Share Certificate - Gold MVP | relationship | 18 months | $1,000 | 3.45% | Not ZIP-priced | −1.27% | 2026-10-22T16:25:54.000Z | [Snapshot 422](https://apyledger.com/snapshots/422) |
| Share Certificate - Silver MVP | relationship | 18 months | $1,000 | 3.25% | Not ZIP-priced | −1.47% | 2026-10-22T16:25:54.000Z | [Snapshot 422](https://apyledger.com/snapshots/422) |
| Share Certificate - Basic MVP | relationship | 18 months | $1,000 | 3.09% | Not ZIP-priced | −1.63% | 2026-10-22T16:25:54.000Z | [Snapshot 422](https://apyledger.com/snapshots/422) |
| Share Certificate - Gold MVP | relationship | 24 months | $1,000 | 3.76% | Not ZIP-priced | −1.11% | 2026-10-22T16:25:54.000Z | [Snapshot 422](https://apyledger.com/snapshots/422) |
| Share Certificate - Silver MVP | relationship | 24 months | $1,000 | 3.56% | Not ZIP-priced | −1.31% | 2026-10-22T16:25:54.000Z | [Snapshot 422](https://apyledger.com/snapshots/422) |
| Share Certificate - Basic MVP | relationship | 24 months | $1,000 | 3.40% | Not ZIP-priced | −1.47% | 2026-10-22T16:25:54.000Z | [Snapshot 422](https://apyledger.com/snapshots/422) |
| Share Certificate - Gold MVP | relationship | 36 months | $1,000 | 2.84% | Not ZIP-priced | −2.11% | 2026-10-22T16:25:54.000Z | [Snapshot 422](https://apyledger.com/snapshots/422) |
| Share Certificate - Silver MVP | relationship | 36 months | $1,000 | 2.63% | Not ZIP-priced | −2.32% | 2026-10-22T16:25:54.000Z | [Snapshot 422](https://apyledger.com/snapshots/422) |
| Share Certificate - Basic MVP | relationship | 36 months | $1,000 | 2.48% | Not ZIP-priced | −2.47% | 2026-10-22T16:25:54.000Z | [Snapshot 422](https://apyledger.com/snapshots/422) |
| Share Certificate Step Up - Gold MVP | relationship | 36 months | $5,000 | 2.38% | Not ZIP-priced | −2.57% | 2026-10-22T16:25:54.000Z | [Snapshot 422](https://apyledger.com/snapshots/422) |
| Share Certificate Step Up - Silver MVP | relationship | 36 months | $5,000 | 2.17% | Not ZIP-priced | −2.78% | 2026-10-22T16:25:54.000Z | [Snapshot 422](https://apyledger.com/snapshots/422) |
| Share Certificate Step Up - Basic MVP | relationship | 36 months | $5,000 | 2.02% | Not ZIP-priced | −2.93% | 2026-10-22T16:25:54.000Z | [Snapshot 422](https://apyledger.com/snapshots/422) |
| Share Certificate - Gold MVP | relationship | 48 months | $1,000 | 2.94% | Not ZIP-priced | −2.04% | 2026-10-22T16:25:54.000Z | [Snapshot 422](https://apyledger.com/snapshots/422) |
| Share Certificate - Silver MVP | relationship | 48 months | $1,000 | 2.73% | Not ZIP-priced | −2.25% | 2026-10-22T16:25:54.000Z | [Snapshot 422](https://apyledger.com/snapshots/422) |
| Share Certificate - Basic MVP | relationship | 48 months | $1,000 | 2.58% | Not ZIP-priced | −2.40% | 2026-10-22T16:25:54.000Z | [Snapshot 422](https://apyledger.com/snapshots/422) |
| Share Certificate - Gold MVP | relationship | 60 months | $1,000 | 3.04% | Not ZIP-priced | −1.97% | 2026-10-22T16:25:54.000Z | [Snapshot 422](https://apyledger.com/snapshots/422) |
| Share Certificate - Silver MVP | relationship | 60 months | $1,000 | 2.84% | Not ZIP-priced | −2.17% | 2026-10-22T16:25:54.000Z | [Snapshot 422](https://apyledger.com/snapshots/422) |
| Share Certificate - Basic MVP | relationship | 60 months | $1,000 | 2.68% | Not ZIP-priced | −2.33% | 2026-10-22T16:25:54.000Z | [Snapshot 422](https://apyledger.com/snapshots/422) |

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.