Best Banks & Credit Unions in Madison, Wisconsin

Banks and credit unions serving Madison, Wisconsin. Compare up to 0.40% APY, fees, minimums and membership rules, dated when we read them.

This page covers banks, credit unions, and local branches available to residents of Madison, Wisconsin. All rankings inherit from the Wisconsin state directory. Every institution listed is licensed to serve Madison residents and is either headquartered in Wisconsin or operates branches in the metro.

Top options in Madison

• Landmark Credit Union: 4.40% APY. 12 months Certificate Account: Minimum balance to open certificate is $500; personal accounts only; there is a penalty for early certificate withdrawal; rates effective as of September 3, 2026. Read Sep 7, 2026 on landmarkcu.com. Rates as of 2026-09-03 per the page.
• Royal Credit Union: 3.77% APY. 12 Month Certificate: No minimum balance required to open account or earn APY; substantial penalty for early withdrawal; APY current as of 07/06/2026; read on rcu.org/rates/certificate-rates. The homepage advertises '3.77% APY* 12-Month Certificate Special Offer', which is the same figure as the standard 12 Month term on the rate table. Read Sep 7, 2026 on rcu.org.
• UW Credit Union: 3.25% APY. 12 Month Certificate: Regular certificate, $500 minimum balance; read on uwcu.org/rates/certificates; 7-month and 14-month specials pay 4.00% APY at a $5,000 minimum; APYs current as of 9/4/2026. Read Sep 7, 2026 on uwcu.org. Rates as of 2026-09-04 per the page.
• Johnson Financial Group: 2.80% APY. 12-month Certificate of Deposit Accounts (CD) - 1 year: $2,000 initial minimum deposit; interest paid annually; CD Specials of 9, 13, 18 and 33 months pay 3.40%-3.55% APY at a $5,000 minimum and are a separate table. Read Sep 7, 2026 on johnsonfinancialgroup.com. Rates as of 2026-09-06 per the page.
• Lake Ridge Bank: 2.37% APY. 12-month 12-23 Months CD: Min. Opening Balance $1,000; the nearest standard term to 12 months is the 12-23 month band; Personal CD Specials of 13, 22 and 32 months pay 3.02%, 3.19% and 3.80% APY at $1,000; a penalty may be imposed for early withdrawal; rates effective September 1, 2026. Read Sep 7, 2026 on lakeridge.bank. Rates as of 2026-09-01 per the page.
• Bank First: 2.28% APY. 12 Month CD: $1,000 minimum balance to open account and no minimum balance to earn APY; a penalty may be imposed for early withdrawal; the 7/11/23/35 month CD Specials (3.750%-4.180% APY) require $5,000 minimum to open as well as an active Bank First checking account with direct deposit. Read Sep 7, 2026 on bankfirst.com.

Banks with more than one branch in Madison

Each opens every one of that bank's offices in Madison, with the address of each and what it holds.

• Old National Bank in Madison: 7 branches
• U.S. Bank National Association in Madison: 7 branches
• BMO Bank National Association in Madison: 7 branches
• JPMorgan Chase Bank, National Association in Madison: 5 branches
• Associated Bank, National Association in Madison: 5 branches

Other Wisconsin cities

See the full Wisconsin banks directory for every institution we've verified in the state, plus the underlying methodology.