Special 1-Year & 4-Year CD Rates at Co-Op Credit Union in Wisconsin


2.50%$1k-Co-Op Credit Union48 Month IRA Certificate (Traditional, Roth)
2.45%$100-Co-Op Credit Union48 Month Share Certificate
Rates as of March 21, 2023.

Co-Op Credit Union is offering two CD and IRA CD specials with very competitive rates. These are a 1.25% APY 1-year CD and a 2.00% APY 4-year CD. The rates are 5 basis points higher for IRA CDs. Minimum deposit is $1,000. These rates are listed in the credit union certificates rates page as of 10/10/2012.

The early withdrawal penalty is 90 days of interest for the 1-year term and 180 days for the 4-year CD. This is listed at the bottom of the credit union's fee and disclosure page.

The credit union also offers a free reward checking account that currently pays 2.00% APY for balances up to $25K. I first reviewed this account in September 2009.

Membership is open to those who live, work or own property in the Wisconsin counties of Buffalo, Chippewa, Clark, Eau Claire, Jackson, Pepin or Trempealeau. Please refer to the credit union's membership page for the full details.

Co-Op Credit Union branches are located in the Wisconsin cities of Black River Falls, Galesville, Melrose, Fall Creek and Strum.

The credit union has an overall health score at DepositAccounts.com of 5 stars (out of 5) with a Texas ratio of 12.44% (above average) based on June 2012. Please refer to our financial overview of Co-Op Credit Union for more details. The credit union is federally insured by the NCUA (Charter # 66983).

How These CD Rates Compare

The highest 1-year CD rate that's nationally available is 1.11% APY at AloStar Bank of Commerce. Not far behind is CIT Bank with a 1.10% APY 1-year CD.

The highest 4-year CD rate is 1.71% APY at both Melrose Credit Union and Andrews Federal Credit Union.

The above rates are accurate as of 10/10/2012.

Searching for Top CD Rates

To search for nationwide CD rates and CD rates in your state, please refer to the best CD rates section of DepositAccounts.com.

Related Pages: Co-Op Credit Union, La Crosse, CD rates, IRA rates

High-Yield Reward Checking Account at Co-Op Credit Union in Wisconsin - Local Only

Update 7/25/10: The top rate has fallen from 4.35% to 3.40% APY

Co-Op Credit Union is offering a reward checking account with the following rates and features if certain monthly requirements are met:

  • 3.40% APY on balances up to $25,000
  • 1.00% on portion of balances above $25,000
  • 0.25% base rate if qualifications are not met
  • Refunds ATM fees nationwide up to $20 per cycle

The monthly requirements include:

  • 12 debit card purchases
  • One direct deposit or automatic debit
  • Access online banking
  • Receive e-statements

Additional features of the account regardless of the monthly requirements include:

  • $20 minimum initial deposit
  • No minimum balance requirement
  • No monthly...
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