With rising interest in secure savings options, Fox Communities Credit Union CD rates have caught the attention of many savers in 2025. Known for its community-first approach and competitive yields, the credit union offers a range of Certificate of Deposit (CD) products that balance safety with reasonable returns. But how do these rates stack up, and are they right for your financial goals?
Current Fox Communities CD Rates (2025)
| Term | Minimum Deposit | Interest Rate (APY) |
|---|---|---|
| 6-Month CD | $1,000 | 4.25% |
| 12-Month CD | $1,000 | 4.35% |
| 18-Month CD | $1,000 | 4.40% |
| 24-Month CD | $1,000 | 4.50% |
| 36-Month CD | $1,000 | 4.60% |
| 60-Month CD | $1,000 | 4.75% |
Why Choose a CD from Fox Communities Credit Union?
1. Competitive Returns
Fox Communities offers some of the highest CD rates in Wisconsin among local credit unions, especially on longer-term CDs.
2. Low Minimum Deposit
You can start with as little as $1,000, making it accessible for everyday savers.
3. NCUA Insured
All deposits are federally insured up to $250,000, giving peace of mind.
4. Flexible Term Options
From short-term (6 months) to long-term (5 years), the credit union has options that suit both new savers and long-term planners.
CD Ladder Strategy with Fox Communities
One way to maximize returns and maintain liquidity is by building a CD ladder. Fox Communities’ term flexibility makes it easy to:
Spread deposits across 12, 24, and 36-month CDs
Reinvest matured CDs at higher rates
Maintain access to funds annually
How Fox Communities Compares to Competitors?
| Institution | 12-Month CD Rate | 24-Month CD Rate | Min. Deposit |
|---|---|---|---|
| Fox Communities CU | 4.35% | 4.50% | $1,000 |
| Ally Bank | 4.00% | 4.10% | $0 |
| Capital One | 3.90% | 4.00% | $0 |
| Discover Bank | 4.15% | 4.25% | $2,500 |
Pros and Cons
Pros
✅ Competitive local rates
✅ NCUA-insured deposits
✅ Accessible deposit minimum
✅ Strong local reputation
Cons
❌ No early withdrawal flexibility
❌ Must be a member to open an account
Membership Requirements
To open a CD, you must become a member. Fox Communities Credit Union membership is generally open to individuals who:
Live or work in specific Wisconsin counties
Are immediate family members of current members
Join select local organizations or nonprofits
Membership starts with a $5 savings account deposit.
Fox Communities Credit Union Branch Network & Routing Information
As of April 2025, Fox Communities Credit Union operates 21 branch locations, all situated within the state of Wisconsin. This extensive network underscores their commitment to serving local communities across the state.
Branch Distribution by City
As of April 2025, Fox Communities Credit Union operates 21 branch locations, all in Wisconsin.
| City | Number of Branches |
|---|---|
| Appleton | 5 |
| Green Bay | 6 |
| Oshkosh | 1 |
| Neenah | 1 |
| Kimberly | 1 |
| New London | 1 |
| Black Creek | 1 |
| Clintonville | 1 |
| De Pere | 1 |
| Manitowoc | 1 |
| Two Rivers | 1 |
| Pulaski | 1 |
| Luxemburg | 1 |
Note: All branches are located within Wisconsin.
Routing Number
Fox Communities Credit Union uses a single routing number for all transactions:
Routing Number: 275977256
This routing number is applicable for direct deposits, wire transfers, and other financial transactions. You can find this number on the bottom left corner of your checks or in the FAQs section of their website.
Contact Information
Website: foxcu.org
Customer Service: (920) 993-9000
Headquarters: 3401 E Calumet St, Appleton, WI 54915
Membership Application: Available online or in-branch
Final Thoughts
In 2025, Fox Communities Credit Union CD rates remain a smart option for those looking to grow savings safely. With their strong community presence, competitive APYs, and member-focused services, these CDs are well-suited for both short- and long-term savers. Just make sure to compare them with other institutions and understand the early withdrawal terms before locking in.
Frequently Asked Questions (FAQs)
Q1: Are Fox Communities CD rates fixed?
Yes, rates are fixed for the term you select when opening the CD.
Q2: Can I withdraw early from a CD?
Yes, but early withdrawal penalties may apply depending on the term.
Q3: Are the CD rates available to new members?
Absolutely, as long as you meet membership eligibility.
Q4: Are these CDs insured?
Yes, all deposits are insured by the NCUA up to $250,000.
