Firefighters Credit Union (WI/MN) Adds Rate-Leading 3-Year CD Special


Deal Summary: 3-Year CD Special, 5.10% APY, $1k minimum deposit.

Availability: 10 west central and southwest Wisconsin counties and 4 southeastern Minnesota counties.

Wisconsin-based Firefighters Credit Union (Firefighters CU) recently added a 3-Year CD Special offering an eye-catching 5.10% APY. The minimum opening deposit is $1k, with no stated balance cap. This is a limited-time offer, but according to CSR, no specific end-date has been set.

The 3-Year CD Special is also available as an IRA CD Special (Traditional, Roth, CESA), earning the same APY with the same deposit requirements.


Headquartered in Onalaska, Wisconsin, Firefighters Credit Union’s field of membership (FOM) is primarily community-based, with individuals who live or work in any of four Minnesota counties or ten Wisconsin counties eligible to join.

Minnesota counties – Fillmore, Houston, Olmstead, and Winona.

Wisconsin counties – Buffalo, Crawford, Jackson, Juneau, La Crosse, Monroe, Richland, Sauk, Trempealeau, and Vernon.

Employees of Emergency Protective Service Agencies within the servicing area of La Crosse; employees of USA Securities; and licensed real estate agents servicing the area within a 50-mile radius of La Crosse are also eligible to join.

Immediate family members (spouse, parents, stepchildren and children whether or not residing in the same household) of those who are membership-eligible also qualify for membership, as do non-immediate relatives of an eligible person who live in the same household.

Joining Firefighters Credit Union and/or opening a CD can be done at any of three full-service Wisconsin branches located in Holmen, LaCrosse, and Onalaska or by phone (608.784.9489).

Opening a Daily Share Account with a minimum $5 deposit establishes a Firefighters CU membership.

Funding and Other Details

The following information is from a conversation with a helpful CSR.

  • Early Withdrawal Penalty – 273 days of dividends, with only an early closure allowed.
  • Funding – Check, internal transfer, or shared branch transaction.
  • CO-OP Shared Branch Participant – Yes.
  • Dividends – Compounded/credited monthly but must remain on deposit in the CD.
  • Maturing Funds – Cashier's check to address on file or internal transfer to checking/savings account.
  • Beneficiaries – Unlimited with equal shares; Social Security numbers preferred but not required.
  • Grace Period – 10 calendar days before automatic renewal.
  • Credit Check – Soft pull when joining.

Credit Union Overview

Firefighters Credit Union has an overall health grade of "A+" at, with a Texas Ratio of 2.00% (excellent) based on September 30, 2022 data. In the past year, Firefighters CU has increased its total non-brokered deposits by $10.27 million, an excellent annual growth rate of 12.19%. Please refer to our financial overview of Firefighters Credit Union (NCUA Charter # 66423) for more details.

Established in 1931, Firefighters Credit Union original FOM was exclusive to members of the Fire Department in the LaCrosse area. Currently the 47th largest credit union headquartered in Wisconsin, Firefighters Credit Union has more than 5,000 members and assets in excess of $116 million.

How the 3-Year CD Special Compares

When compared to similar length-of-term CDs tracked by that are available within the FOM and have minimum deposit requirements of $10k or less, no banks or credit unions have higher rates than currently offered on the Firefighters Credit Union 3-Year CD Special. The following table compares the 3-Year CD Special to the two highest-rate CDs from other credit unions and the two highest-rate CDs from banks.

APYCD Term (Early Withdrawal Penalty)Credit Union/Bank
5.10%3-Year CD Special (EWP=273 days) Firefighters Credit Union
4.65%30-Month CD (EWP=180 days)Crescent Bank
4.60%36-Month CD (EWP=190 days)CFG Bank
4.60%36-Month Share CD (EWP=180 days)Alliant Credit Union
4.52%3-Year Fixed CD (EWP=360 days)Lafayette Federal Credit Union

The above information and rates are accurate as of 1/27/2022.

To look for the best CD rates, both nationwide and state specific, please refer to our CD Rates Table page.

Related Pages: La Crosse CD rates, 5-year CD rates, IRA CD rates

  |     |   Comment #1
Thanks Ken.
3 yr gone as of 2-01-23.
Firefighters Credit Union (WI) Offers Top Rate 18-month CD - Local Only


Residents of Wisconsin counties of Houston, Jackson, LaCrosse, Monroe, Trempealeau, Vernon, and Winona.

Yesterday, Firefighters Credit Union (Wisconsin) raised the rate on its 18-month Share Certificate (CD) to 1.50% APY. The minimum opening deposit is $1K and there is no maximum balance cap. The 18-month CD is also available as an IRA (Traditional, Roth, CESA) at the same APY, with the same funding requirements.

According to CSR, the Early Withdrawal Penalty is 180 days interest, but could not give an indication of how long this APY might...

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