The prospect of securing one’s funds while accruing interest sparks interest among potential investors. As we delve into the intricacies of Wisconsin Bank’s CD rates terms, its commitment to periods, interest rates, and cooperation of risk and return emerge, we find a stable perspective.

In this exploration, we navigate the landscape of Wisconsin Bank’s CD offerings to cover up factors that make it a compelling choice.

Wisconsin Bank CD Rates Offers

Some of the most noteworthy CD offers by Wisconsin Bank are;

3-Month CD Term

  • Interest Rate: 0.01%
  • APY: 0.01%
  • Minimum Opening Deposit: $1,000.00


  • Short-term commitment with minimal interest.

Pros & Cons

Low-risk investmentLimited returns compared to longer terms

6-Month CD Term

  • Interest Rate: 0.25%
  • APY: 0.25%
  • Minimum Opening Deposit: $1,000.00


  • Balances short-term commitment with a modest increase in returns.

Pros & Cons

Balances short-term commitment with increased returnsLimited growth potential compared to longer terms

18-Month CD Term

  • Interest Rate: 2.73%
  • APY: 2.75%
  • Minimum Opening Deposit: $1,000.00


  • Suitable for investors seeking a more substantial return without a long commitment.

Pros & Cons

Significantly higher interest rateModerate commitment period

36, 48, & 60-Month CD Terms

  • Interest Rate: 0.60%
  • APY: 0.60%
  • Minimum Opening Deposit: $1,000.00


  • Longer-term commitment with consistent interest rates across the three durations.
  • Offers stability and predictable returns over an extended period.

Pros & Cons

Consistent interest rates over a long periodLong commitment period
Provides stable and predictable returnsLimited liquidity for an extended time

Are Wisconsin Bank CD Rates Competitive?

Wisconsin Bank’s Certificate of Deposit rates exhibit a mixed competitive landscape, with varying terms catering to diverse investor preferences. It demonstrates a spectrum of competitiveness.

The shorter terms may be less appealing to those prioritizing higher returns, while the 18-month term, with its substantial interest rate, could attract investors seeking a moderate-risk, moderate-reward option.

The longer-term CDs provide stability but require a more extended commitment, appealing to individuals with a patient investment approach.

Analyzing the different CD terms reveals that it can influence an individual’s decision to invest.

The 3-month and 6-month CD terms offer lower interest rates of 0.01% and 0.25%, respectively, which may be considered less competitive compared to alternatives in the market.

These short-term options, however, provide a low-risk investment avenue, ideal for individuals with immediate liquidity needs or those seeking minimal exposure.

On the other hand, the 18-month CD term stands out with an attractive interest rate of 2.73%, translating to an Annual Percentage Yield (APY) of 2.75%.

This rate is notably higher than the shorter terms, presenting an appealing option for investors looking for a balance between risk and return.

The 36, 48, & 60-month CD terms maintain a consistent 0.60% interest rate and APY, providing stable and predictable returns over a more extended period. While this offers security and a hedge against potential market fluctuations, the extended commitment may deter those in need of more immediate access to their funds.

Overview Wisconsin Bank

Wisconsin Bank and Trust was listed as one of Forbes magazine’s best banks in America of 2020. They also made the list in 2019, 2018, 2017, and 2013 meaning they have a long track record of offering award-winning bank services to their community. 

This bank manages $15 billion in assets. Wisconsin Bank and Trust is owned by a parent company called Heartland Financial USA. Inc.

They are committed to giving back to their community with both financial contributions and manual labor done by bankers. Some of the ways that they give back are through serving food, building homes, volunteering time for local boards, and donating money to organizations.

Their banking services are comprehensive and include everything from mortgage lending to savings accounts.

One of the ways that Wisconsin Bank and Trust gives back to the community is through their pink ribbon debit card program which joins their members in the fight against breast cancer.

It is free to get a pink ribbon debit card when you open a new account and the bank will donate to an organization that fights against breast cancer with each purchase made with the card.

As one of America’s best banks, they focus on excellent customer service and provide specialized banking that matches the member’s needs. The financial products and services that are provided by Wisconsin Bank and Trust are completely comprehensive for individuals, small businesses, and corporations alike.

They have expert agribusiness bankers, commercial bankers, personal bankers, private client bankers, and small business bankers.

Included in their comprehensive list of services are also wealth advisors, retirement plan specialists, treasury management, and more.


You must be a member of Wisconsin Bank and Trust in order to purchase a CD through their institution. They offer comprehensive financial services with a minimum account balance of $100 for their basic savings account. 

Locations Wisconsin Bank

Branches in Wisconsin

The branches in Wisconsin are:

Madison, Fitchburg, Cottage Grove, Monroe, Platteville, Lancaster, Glendale, Plymouth, Sheboygan, De Pere

Frequently Asked Questions

What is the minimum opening deposit for Wisconsin Bank’s CDs?

The minimum opening deposit for all CD terms is $1,000.00.

What is the interest rate for the 18-month CD term?

The 18-month CD term offers an interest rate of 2.73%, with an Annual Percentage Yield of 2.75%.

Are there penalties for early withdrawal from Wisconsin Bank CDs?

Yes, early withdrawal penalties may apply.

How often is interest compounded on Wisconsin Bank CDs?

Interest on Wisconsin Bank CDs is typically compounded at regular intervals, but the specific frequency may vary.

Can I add additional funds to my CD after the initial deposit?

Generally, no. CD terms are fixed, and additional deposits are not allowed after the initial opening.