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Wisconsin Savings Rates 2017

If you have your savings dollars in a bank with low savings rates, then you are losing real money. With the magic of compounding interest, even an interest rate difference under 1% can really add up over time. See our Savings Booster Calculator to see why you should seek out a higher interest rate. The table below has an unbiased list of the savings and money market account rates of FDIC-insured banks that are near your current location (if they aren’t, then change the zip code above). Take a few minutes to explore these options and see how you can boost your savings by more than 6X the national average rate. You may also want to check credit unions near you or online banks by navigating through the tabs above. There is competition for your money. Take advantage of it!

WI - January 19, 2017

Savings Account National Average Rate: 0.13% ?

BANKS APY Vs. Nat'l Av. MIN MILES ?
Hiawatha National Bank 0.75% 6.00x $25,000 -
State Bank of the Lakes 0.65% 5.20x $200 -
West Pointe Bank 0.60% 4.80x $25,000 -
First-Citizens Bank & Trust Company 0.55% 4.40x $25,000 -
West Pointe Bank 0.50% 4.00x $10,000 -
Peoples State Bank of Plainview 0.50% 4.00x $7,500 -
Hiawatha National Bank 0.50% 4.00x $10,000 -
Bank First National 0.50% 4.00x $10,000 -
Charter Bank 0.50% 4.00x $10,000 -
Alliance Bank 0.48% 3.84x $25,000 -
First American Bank, N.A. 0.45% 3.60x $25,000 -
State Bank of Arcadia 0.45% 3.60x $20,000 -
Investors Community Bank 0.45% 3.60x $25,000 -
F&M Bank 0.45% 3.60x $150,000 -
AbbyBank 0.40% 3.20x $1,000 -
Black River Country Bank 0.40% 3.20x $25,000 -
Hustisford State Bank 0.40% 3.20x $1 -
Oostburg State Bank 0.40% 3.20x $25,000 -
Waumandee State Bank 0.40% 3.20x $20,001 -
Northwestern Bank 0.40% 3.20x $10,000 -
State Bank of Arcadia 0.40% 3.20x $25,000 -
Community Financial Bank 0.40% 3.20x $25,000 -
Great Midwest Bank, S.S.B. 0.40% 3.20x $25,000 -
Bank of Cashton 0.40% 3.20x $25,000 -
Union Bank of Blair 0.35% 2.80x $25,000 -
Integrity First Bank 0.35% 2.80x $25,000 -
Shell Lake State Bank 0.35% 2.80x $1 -
The Farmers & Merchants Bank 0.35% 2.80x $25,000 -
Time Federal Savings Bank 0.35% 2.80x $2,500 -
Community Financial Bank 0.35% 2.80x $10,000 -
Heritage Bank 0.35% 2.80x $10,000 -
Charter Bank 0.35% 2.80x $1 -
F&M Bank 0.35% 2.80x $100,000 -
First-Citizens Bank & Trust Company 0.35% 2.80x $10,000 -
Fox Valley Savings Bank 0.32% 2.56x $25,000 -
Hustisford State Bank 0.30% 2.40x $10,000 -
Hiawatha National Bank 0.30% 2.40x $50 -
Stratford State Bank 0.30% 2.40x $25,000 -
Bank of Cashton 0.30% 2.40x $1,000 -
Bank First National 0.30% 2.40x $25,000 -
First American Bank, N.A. 0.30% 2.40x $10,000 -
Commerce State Bank 0.30% 2.40x $25,000 -
Black River Country Bank 0.30% 2.40x $10,000 -
The Peshtigo National Bank 0.30% 2.40x $25,000 -
Markesan State Bank 0.30% 2.40x $20,000 -
Advantage Community Bank 0.30% 2.40x $25,000 -
State Bank of Arcadia 0.30% 2.40x $10,000 -
National Bank of Commerce 0.30% 2.40x $25,000 -
Dairy State Bank 0.30% 2.40x $25,000 -
AbbyBank 0.30% 2.40x $100 -
State Bank of Chilton 0.30% 2.40x $25,000 -
Headwaters State Bank 0.30% 2.40x $50 -
Cumberland Federal Bank, FSB 0.30% 2.40x $10,000 -
State Bank of Newburg 0.30% 2.40x $1,000 -
F&M Bank 0.30% 2.40x $75,000 -
Paper City Savings Association 0.30% 2.40x $25,000 -
Farmers Savings Bank 0.30% 2.40x $10,000 -
Community First Bank 0.30% 2.40x $25,000 -
Security Financial Bank 0.30% 2.40x $10,000 -
The First Bank of Baldwin 0.30% 2.40x $1 -
The First National Bank of Park Falls 0.30% 2.40x $1 -
Bank of Oakfield 0.30% 2.40x $20,001 -
Unity Bank 0.30% 2.40x $25,000 -
Fox Valley Savings Bank 0.27% 2.16x $10,000 -
Intercity State Bank 0.25% 2.00x $10,000 -
Wisconsin River Bank 0.25% 2.00x $1,001 -
State Bank of Florence 0.25% 2.00x $2,500 -
Oregon Community Bank & Trust 0.25% 2.00x $10,000 -
Mayville Savings Bank 0.25% 2.00x $5,000 -
The Benton State Bank 0.25% 2.00x $25,000 -
BLC Community Bank 0.25% 2.00x $1 -
Paper City Savings Association 0.25% 2.00x $10,000 -
Union Bank of Blair 0.25% 2.00x $2,500 -
Greenleaf Wayside Bank 0.25% 2.00x $25,000 -
Union National Bank & Trust Company 0.25% 2.00x $2,500 -
West Pointe Bank 0.25% 2.00x $100 -
State Bank of Newburg 0.25% 2.00x $10 -
First American Bank, N.A. 0.25% 2.00x $25,000 -
River Bank 0.25% 2.00x $25,001 -
First National Bank 0.25% 2.00x $25,000 -
Integrity First Bank 0.25% 2.00x $10,000 -
Heritage Bank 0.25% 2.00x $500 -
Merrill Federal Savings and Loan Association 0.25% 2.00x $25,000 -
First National Bank at Darlington 0.25% 2.00x $10,000 -
Clare Bank, National Association 0.25% 2.00x $25,000 -
TSB Bank 0.25% 2.00x $5,000 -
Farmers Savings Bank 0.25% 2.00x $1 -
Security Financial Bank 0.25% 2.00x $25,000 -
Markesan State Bank 0.25% 2.00x $1 -
The Farmers & Merchants Bank 0.25% 2.00x $2,500 -
Bank of Cashton 0.25% 2.00x $1 -
Middleton Community Bank 0.25% 2.00x $25,000 -
Marathon Savings Bank 0.25% 2.00x $10,000 -
Partnership Bank 0.25% 2.00x $5,000 -
KeySavings Bank 0.25% 2.00x $10,000 -
Union State Bank of West Salem 0.25% 2.00x $25,000 -
Farmers and Merchants Union Bank 0.25% 2.00x $50 -
Investors Community Bank 0.25% 2.00x $10,000 -
Advantage Community Bank 0.25% 2.00x $1 -
Community First Bank 0.25% 2.00x $10,000 -
Peoples State Bank 0.25% 2.00x $25,000 -
The Bank of Kaukauna 0.25% 2.00x $1 -
Bank of Galesville 0.25% 2.00x $25,000 -
Community Financial Bank 0.25% 2.00x $1 -
Shell Lake State Bank 0.25% 2.00x $2,500 -
State Bank of Chilton 0.25% 2.00x $10,000 -
F&M Bank 0.25% 2.00x $50,000 -
The First National Bank of Bangor 0.25% 2.00x $1,000 -
Alliance Bank 0.24% 1.92x $2,500 -
Union Bank & Trust Company 0.23% 1.84x $25,000 -
Markesan State Bank 0.23% 1.84x $5,000 -
Park Bank 0.21% 1.68x $1 -
Farmers & Merchants Bank 0.21% 1.68x $25,000 -
Hustisford State Bank 0.20% 1.60x $2,500 -
First National Community Bank 0.20% 1.60x $25,000 -
East Wisconsin Savings Bank, S.A. 0.20% 1.60x $1 -
The Peshtigo National Bank 0.20% 1.60x $10,000 -
Bank of Deerfield 0.20% 1.60x $10,000 -
State Bank of Arcadia 0.20% 1.60x $1,000 -
Commerce State Bank 0.20% 1.60x $10,000 -
Citizens Bank 0.20% 1.60x $25,000 -
The Port Washington State Bank 0.20% 1.60x $10,000 -
The Benton State Bank 0.20% 1.60x $2,500 -
Collins State Bank 0.20% 1.60x $25,000 -
American Bank & Trust Wisconsin 0.20% 1.60x $10,000 -
Highland State Bank 0.20% 1.60x $5,000 -
Farmers & Merchants Bank & Trust 0.20% 1.60x $100 -
Union National Bank & Trust Company 0.20% 1.60x $50 -
Stratford State Bank 0.20% 1.60x $10,000 -
Paper City Savings Association 0.20% 1.60x $2,500 -
Choice bank 0.20% 1.60x $10,000 -
Bank of Lake Mills 0.20% 1.60x $25,000 -
First Citizens State Bank 0.20% 1.60x $25,000 -
Bank of Prairie du Sac 0.20% 1.60x $10,000 -
River Bank 0.20% 1.60x $1,500 -
Commercial Bank 0.20% 1.60x $25,000 -
Royal Bank 0.20% 1.60x $25,000 -
River Falls State Bank 0.20% 1.60x $25,000 -
Cornerstone Community Bank 0.20% 1.60x $25,000 -
The Bank of Kaukauna 0.20% 1.60x $2,500 -
Intercity State Bank 0.20% 1.60x $1 -
PremierBank 0.20% 1.60x $25,000 -
First National Bank at Darlington 0.20% 1.60x $2,500 -
Clare Bank, National Association 0.20% 1.60x $10,000 -
Fox Valley Savings Bank 0.20% 1.60x $2,500 -
Cleveland State Bank 0.20% 1.60x $25,000 -
Citizens First Bank 0.20% 1.60x $10,000 -
Waumandee State Bank 0.20% 1.60x $2,501 -
Bank First National 0.20% 1.60x $10,000 -
Bay Bank 0.20% 1.60x $25,000 -
Security Bank 0.20% 1.60x $25,000 -
Seaway Bank and Trust Company 0.20% 1.60x $25,000 -
Ixonia Bank 0.20% 1.60x $25,000 -
Independence State Bank 0.20% 1.60x $25,000 -
Mound City Bank 0.20% 1.60x $20,000 -
Black River Country Bank 0.20% 1.60x $2,500 -
Shell Lake State Bank 0.20% 1.60x $25 -
Farmers Savings Bank 0.20% 1.60x $1 -
Grand Marsh State Bank 0.20% 1.60x $10,000 -
CIBM Bank 0.20% 1.60x $25,000 -
United Bank 0.20% 1.60x $2,500 -
Bank of Oakfield 0.20% 1.60x $2,501 -
First State Bank 0.20% 1.60x $25,000 -
Wisconsin River Bank 0.20% 1.60x $10,001 -
Community Financial Bank 0.20% 1.60x $1 -
Union State Bank of West Salem 0.20% 1.60x $2,500 -
Peoples State Bank 0.20% 1.60x $10,000 -
State Bank of Florence 0.20% 1.60x $10,000 -
Security Financial Bank 0.20% 1.60x $10,000 -
Bank of Sun Prairie 0.20% 1.60x $10,000 -
Greenleaf Wayside Bank 0.20% 1.60x $10,000 -
American National Bank - Fox Cities 0.20% 1.60x $10,000 -
United Community Bank 0.20% 1.60x $25,000 -
Monona State Bank 0.20% 1.60x $10,000 -
The First National Bank of Bangor 0.20% 1.60x $25 -
Chippewa Valley Bank 0.20% 1.60x $25,000 -
Unity Bank 0.20% 1.60x $2,500 -
Pigeon Falls State Bank 0.20% 1.60x $25,000 -
Headwaters State Bank 0.20% 1.60x $10,000 -
Citizens State Bank of Loyal 0.20% 1.60x $25,000 -
Alliance Bank 0.18% 1.44x $25 -
Town Bank 0.18% 1.44x $1 -
Coulee Bank 0.18% 1.44x $25,000 -
Union Bank & Trust Company 0.18% 1.44x $25,000 -
Merchants Bank, National Association 0.17% 1.36x $25,000 -
Citizens State Bank of Loyal 0.17% 1.36x $10,000 -
Ladysmith Federal Savings and Loan Association 0.17% 1.36x $1,000 -
The International Bank of Amherst 0.16% 1.28x $25,000 -
CIBM Bank 0.16% 1.28x $25,000 -
The National Bank of Waupun 0.16% 1.28x $1 -
Dairyland State Bank 0.15% 1.20x $10 -
BMO Harris Bank National Association 0.15% 1.20x $25,000 -
Fox River State Bank 0.15% 1.20x $200 -
Clare Bank, National Association 0.15% 1.20x $1 -
United Community Bank 0.15% 1.20x $25,000 -
The First National Bank of Park Falls 0.15% 1.20x $1,001 -
Chippewa Valley Bank 0.15% 1.20x $10,000 -
Oostburg State Bank 0.15% 1.20x $10,000 -
The First National Bank - Fox Valley 0.15% 1.20x $100 -
Black River Country Bank 0.15% 1.20x $100 -
Security State Bank 0.15% 1.20x $25,000 -
Hometown Bank 0.15% 1.20x $25,000 -
The Benton State Bank 0.15% 1.20x $1 -
Farmers and Merchants Bank 0.15% 1.20x $25,000 -
Peoples State Bank of Plainview 0.15% 1.20x $10,000 -
The First National Bank of Berlin 0.15% 1.20x $25,000 -
First-Citizens Bank & Trust Company 0.15% 1.20x $100 -
State Bank of Reeseville 0.15% 1.20x $25,000 -
Merrill Federal Savings and Loan Association 0.15% 1.20x $15,000 -
Highland State Bank 0.15% 1.20x $50 -
Union Bank of Blair 0.15% 1.20x $1 -
The Huntington National Bank 0.15% 1.20x $10,000 -
Choice bank 0.15% 1.20x $100 -
First American Bank, N.A. 0.15% 1.20x $10,000 -
Pioneer Bank of Wisconsin 0.15% 1.20x $1 -
Commercial Bank 0.15% 1.20x $10,000 -
Farmers & Merchants Bank, of Orfordville 0.15% 1.20x $2,500 -
The Pineries Bank 0.15% 1.20x $10,000 -
Portage County Bank 0.15% 1.20x $1 -
Bay Bank 0.15% 1.20x $10,000 -
Cornerstone Community Bank 0.15% 1.20x $10,000 -
The Equitable Bank, S.S.B. 0.15% 1.20x $25,000 -
First Bank Financial Centre 0.15% 1.20x $15,000 -
Bank of Lake Mills 0.15% 1.20x $10,000 -
The Bank of Brodhead 0.15% 1.20x $10,000 -
Fox Valley Savings Bank 0.15% 1.20x $1 -
The Peshtigo National Bank 0.15% 1.20x $2,500 -
TSB Bank 0.15% 1.20x $1 -
Oregon Community Bank & Trust 0.15% 1.20x $100 -
Union Bank & Trust Company 0.15% 1.20x $10,000 -
Markesan State Bank 0.15% 1.20x $1 -
Farmers State Bank 0.15% 1.20x $10,001 -
Citizens State Bank of Loyal 0.15% 1.20x $1 -
Advantage Community Bank 0.15% 1.20x $1 -
Citizens State Bank 0.15% 1.20x $50 -
Northwestern Bank 0.15% 1.20x $1 -
Citizens First Bank 0.15% 1.20x $1,000 -
State Bank of Arcadia 0.15% 1.20x $1 -
Citizens Bank 0.15% 1.20x $10,000 -
Waumandee State Bank 0.15% 1.20x $1 -
Bank First National 0.15% 1.20x $2,500 -
The Necedah Bank 0.15% 1.20x $10,000 -
Dairy State Bank 0.15% 1.20x $10,000 -
Cumberland Federal Bank, FSB 0.15% 1.20x $50 -
The Stephenson National Bank and Trust 0.15% 1.20x $10,000 -
Superior Savings Bank 0.15% 1.20x $10,000 -
Peoples State Bank 0.15% 1.20x $25,000 -
Community State Bank 0.15% 1.20x $25,001 -
Horicon Bank 0.15% 1.20x $25,001 -
First Federal Bank of Wisconsin 0.15% 1.20x $2,501 -
PremierBank 0.15% 1.20x $10,000 -
Stratford State Bank 0.15% 1.20x $25 -
Bank of Prairie du Sac 0.15% 1.20x $1 -
McFarland State Bank 0.15% 1.20x $20,000 -
First National Bank 0.15% 1.20x $10,000 -
Settlers Bank 0.15% 1.20x $25,000 -
Park Bank 0.15% 1.20x $25,000 -
First Business Bank 0.15% 1.20x $1 -
Denmark State Bank 0.15% 1.20x $25,000 -
F&M Bank 0.15% 1.20x $10,000 -
Security Financial Bank 0.15% 1.20x $1 -
Farmers State Bank 0.15% 1.20x $2,500 -
Peoples State Bank 0.15% 1.20x $1 -
The International Bank of Amherst 0.15% 1.20x $10,000 -
State Bank of Florence 0.15% 1.20x $1 -
Wolf River Community Bank 0.15% 1.20x $5,000 -
Marathon Savings Bank 0.15% 1.20x $2,500 -
Peoples Bank Midwest 0.15% 1.20x $10,000 -
Bank of Galesville 0.15% 1.20x $10,000 -
Middleton Community Bank 0.15% 1.20x $10,000 -
Westbury Bank 0.15% 1.20x $25,000 -
Community Bank of Cameron 0.15% 1.20x $5,000 -
Banner Banks 0.15% 1.20x $25,000 -
Paper City Savings Association 0.15% 1.20x $500 -
First State Bank 0.15% 1.20x $10,000 -
Integrity First Bank 0.15% 1.20x $1 -
Headwaters State Bank 0.15% 1.20x $2,500 -
The First National Bank of Hartford 0.15% 1.20x $25,000 -
Pigeon Falls State Bank 0.15% 1.20x $10,000 -
Independence State Bank 0.15% 1.20x $10,000 -
The Peoples Community Bank 0.15% 1.20x $25,000 -
MidWestOne Bank 0.15% 1.20x $25,000 -
Greenleaf Wayside Bank 0.15% 1.20x $5,000 -
Security Bank 0.15% 1.20x $100 -
Ladysmith Federal Savings and Loan Association 0.15% 1.20x $10 -
First State Bank and Trust 0.15% 1.20x $25,000 -
Merchants Bank, National Association 0.14% 1.12x $5,000 -
United Community Bank 0.12% 0.96x $10,000 -
Bank of Luxemburg 0.12% 0.96x $3,000 -
Starion Financial 0.12% 0.96x $10,000 -
Bank of Mauston 0.12% 0.96x $10,000 -
Pigeon Falls State Bank 0.12% 0.96x $50 -
Independence State Bank 0.12% 0.96x $1 -
Sunset Bank & Savings 0.12% 0.96x $10,000 -
First Citizens State Bank 0.12% 0.96x $10,000 -
CIBM Bank 0.12% 0.96x $500 -
The Bank of Brodhead 0.12% 0.96x $1 -
The Bank of New Glarus 0.12% 0.96x $25,000 -
Merchants Bank, National Association 0.12% 0.96x $5,000 -
Greenleaf Wayside Bank 0.12% 0.96x $2,500 -
Bank of Wisconsin Dells 0.12% 0.96x $25,000 -
Security Bank 0.11% 0.88x $10,000 -
PNC Bank, National Association 0.11% 0.88x $25,000 -
Starion Financial 0.11% 0.88x $25,000 -
The Baraboo National Bank 0.10% 0.80x $50 -
Bank of Wisconsin Dells 0.10% 0.80x $5,000 -
State Bank of Reeseville 0.10% 0.80x $100 -
The Bank of Kaukauna 0.10% 0.80x $100 -
Nicolet National Bank 0.10% 0.80x $5,000 -
Royal Bank 0.10% 0.80x $100 -
Fox River State Bank 0.10% 0.80x $1 -
Bank of Milton 0.10% 0.80x $10,000 -
Bank of Lake Mills 0.10% 0.80x $5 -
Woodford State Bank 0.10% 0.80x $1 -
Community State Bank 0.10% 0.80x $200 -
Sterling Bank 0.10% 0.80x $10,000 -
Tomahawk Community Bank S.S.B. 0.10% 0.80x $2,500 -
Superior Savings Bank 0.10% 0.80x $1,000 -
The Stephenson National Bank and Trust 0.10% 0.80x $1 -
Associated Bank, National Association 0.10% 0.80x $10,000 -
Bank of Galesville 0.10% 0.80x $1 -
Collins State Bank 0.10% 0.80x $1 -
Westbury Bank 0.10% 0.80x $1 -
Farmers and Merchants Bank 0.10% 0.80x $100 -
The First National Bank of Hartford 0.10% 0.80x $2,500 -
The Peshtigo National Bank 0.10% 0.80x $100 -
Denmark State Bank 0.10% 0.80x $10,000 -
First State Bank 0.10% 0.80x $1 -
American Bank & Trust Wisconsin 0.10% 0.80x $1 -
Banner Banks 0.10% 0.80x $10,000 -
DMB Community Bank 0.10% 0.80x $25,000 -
Wisconsin River Bank 0.10% 0.80x $1,001 -
Coulee Bank 0.10% 0.80x $200 -
The Equitable Bank, S.S.B. 0.10% 0.80x $25,000 -
Farmers & Merchants Bank, of Orfordville 0.10% 0.80x $1 -
KeySavings Bank 0.10% 0.80x $1 -
Choice bank 0.10% 0.80x $1 -
West Pointe Bank 0.10% 0.80x $100 -
The Pineries Bank 0.10% 0.80x $100 -
First American Bank, N.A. 0.10% 0.80x $100 -
Commercial Bank 0.10% 0.80x $2,500 -
The Farmers State Bank of Waupaca 0.10% 0.80x $20,000 -
Park Bank 0.10% 0.80x $2,500 -
Portage County Bank 0.10% 0.80x $2,500 -
The First National Bank of River Falls 0.10% 0.80x $15,000 -
Cornerstone Community Bank 0.10% 0.80x $2,500 -
The Port Washington State Bank 0.10% 0.80x $1,000 -
East Wisconsin Savings Bank, S.A. 0.10% 0.80x $5 -
CIBM Bank 0.10% 0.80x $1 -
Integrity First Bank 0.10% 0.80x $1 -
Bank of Deerfield 0.10% 0.80x $1 -
Wolf River Community Bank 0.10% 0.80x $100 -
Merrill Federal Savings and Loan Association 0.10% 0.80x $10,000 -
Farmers and Merchants Bank of Kendall 0.10% 0.80x $1 -
PremierBank 0.10% 0.80x $1 -
Peoples State Bank 0.10% 0.80x $10,000 -
First National Bank at Darlington 0.10% 0.80x $5 -
The Bank of Brodhead 0.10% 0.80x $1,000 -
Peoples State Bank of Plainview 0.10% 0.80x $1 -
TSB Bank 0.10% 0.80x $1 -
Mayville Savings Bank 0.10% 0.80x $100 -
Mound City Bank 0.10% 0.80x $1 -
Oregon Community Bank & Trust 0.10% 0.80x $2,500 -
Union Bank & Trust Company 0.10% 0.80x $1 -
River Bank 0.10% 0.80x $100 -
Great Midwest Bank, S.S.B. 0.10% 0.80x $200 -
Oostburg State Bank 0.10% 0.80x $1,000 -
Citizens First Bank 0.10% 0.80x $1 -
United Bank 0.10% 0.80x $100 -
Citizens Bank 0.10% 0.80x $1,000 -
Bank First National 0.10% 0.80x $1,000 -
Southport Bank 0.10% 0.80x $25,000 -
Security Bank 0.10% 0.80x $2,500 -
Community Bank of Cameron 0.10% 0.80x $1 -
The First National Bank of Berlin 0.10% 0.80x $100 -
American National Bank - Fox Cities 0.10% 0.80x $100 -
Investors Community Bank 0.10% 0.80x $1 -
Lincoln Community Bank 0.10% 0.80x $15,000 -
First Bank Financial Centre 0.10% 0.80x $2,500 -
Citizens Community Federal National Association 0.10% 0.80x $1,000 -
Hometown Bank 0.10% 0.80x $100 -
Bank of Oakfield 0.10% 0.80x $100 -
Grand Marsh State Bank 0.10% 0.80x $1 -
North Shore Bank, FSB 0.10% 0.80x $25,000 -
State Bank of Chilton 0.10% 0.80x $1 -
Union Federal Savings and Loan Association 0.10% 0.80x $100 -
Johnson Bank 0.10% 0.80x $25,000 -
Cleveland State Bank 0.10% 0.80x $10,000 -
MidWestOne Bank 0.10% 0.80x $1 -
Merchants Bank, National Association 0.10% 0.80x $1 -
Ixonia Bank 0.10% 0.80x $1 -
Blackhawk Bank 0.10% 0.80x $10,000 -
The Huntington National Bank 0.10% 0.80x $50 -
Settlers Bank 0.10% 0.80x $2,500 -
Independence State Bank 0.10% 0.80x $1 -
Union State Bank of West Salem 0.10% 0.80x $10 -
Farmers State Bank 0.10% 0.80x $10 -
Byline Bank 0.10% 0.80x $10,000 -
WaterStone Bank, SSB 0.10% 0.80x $1 -
Nekoosa Port Edwards State Bank 0.10% 0.80x $50 -
United Community Bank 0.10% 0.80x $2,500 -
Bank of Luxemburg 0.10% 0.80x $1,000 -
Pigeon Falls State Bank 0.10% 0.80x $2,500 -
The Peoples Community Bank 0.10% 0.80x $10,000 -
F&M Bank 0.10% 0.80x $5,000 -
Middleton Community Bank 0.10% 0.80x $1 -
Peoples State Bank 0.10% 0.80x $10 -
Unity Bank 0.10% 0.80x $1 -
Richland County Bank 0.10% 0.80x $15,000 -
Security State Bank 0.10% 0.80x $10,000 -
Chippewa Valley Bank 0.10% 0.80x $1 -
PyraMax Bank, FSB 0.10% 0.80x $10,000 -
The First National Bank - Fox Valley 0.10% 0.80x $1,000 -
Bank of Sun Prairie 0.10% 0.80x $2,000 -
mBank 0.10% 0.80x $25,001 -
The PrivateBank and Trust Company 0.10% 0.80x $2,500 -
First National Community Bank 0.09% 0.72x $1 -
The Bank of New Glarus 0.09% 0.72x $10,000 -
PNC Bank, National Association 0.09% 0.72x $10,000 -
Bank of Wisconsin Dells 0.08% 0.64x $100 -
Commerce State Bank 0.08% 0.64x $2,000 -
CIBM Bank 0.08% 0.64x $1 -
Home Savings Bank 0.08% 0.64x $10,000 -
Sterling Bank 0.08% 0.64x $2,500 -
Peoples Bank Midwest 0.08% 0.64x $2,500 -
The Bank of New Glarus 0.08% 0.64x $1 -
Bank of Mauston 0.08% 0.64x $1 -
Farmers State Bank 0.08% 0.64x $1 -
DMB Community Bank 0.08% 0.64x $25,000 -
North Shore Bank, FSB 0.08% 0.64x $10,000 -
River Cities Bank 0.08% 0.64x $10,000 -
Settlers Bank 0.08% 0.64x $100 -
First Citizens State Bank 0.08% 0.64x $1 -
PremierBank 0.08% 0.64x $50 -
National Exchange Bank and Trust 0.08% 0.60x $25,000 -
WOODTRUST BANK 0.07% 0.56x $25,000 -
Seaway Bank and Trust Company 0.07% 0.56x $1 -
Sunset Bank & Savings 0.07% 0.56x $100 -
Farmers & Merchants State Bank 0.07% 0.56x $100 -
Bank Mutual 0.07% 0.56x $25,000 -
State Bank of Cross Plains 0.07% 0.56x $25,000 -
State Bank of the Lakes 0.07% 0.56x $1 -
Bank of Mauston 0.07% 0.56x $1 -
First National Community Bank 0.07% 0.56x $200 -
Bank of Sun Prairie 0.07% 0.56x $1 -
U.S. Bank National Association 0.06% 0.48x $10,000 -
Capitol Bank 0.06% 0.48x $25,000 -
Pioneer Bank 0.06% 0.48x $10,000 -
The National Bank of Waupun 0.06% 0.48x $1 -
Farmers & Merchants Bank 0.06% 0.48x $1 -
Starion Financial 0.06% 0.48x $10,000 -
Guaranty Bank 0.06% 0.48x $25,000 -
Bank of the West 0.06% 0.48x $25,000 -
Park Bank 0.05% 0.40x $200 -
Oostburg State Bank 0.05% 0.40x $1 -
Community First Bank 0.05% 0.40x $1 -
Blackhawk Bank 0.05% 0.40x $1 -
Royal Bank 0.05% 0.40x $1 -
The First National Bank of River Falls 0.05% 0.40x $1 -
Bank of Luxemburg 0.05% 0.40x $1 -
Starion Financial 0.05% 0.40x $1 -
Superior Savings Bank 0.05% 0.40x $50 -
Commerce State Bank 0.05% 0.40x $2,000 -
Lincoln Community Bank 0.05% 0.40x $2,500 -
Denmark State Bank 0.05% 0.40x $200 -
Horicon Bank 0.05% 0.40x $1 -
State Bank of Cross Plains 0.05% 0.40x $200 -
First Bank Financial Centre 0.05% 0.40x $1 -
Premier Community Bank 0.05% 0.40x $2,500 -
Forward Financial Bank 0.05% 0.40x $1 -
Southport Bank 0.05% 0.40x $1 -
DMB Community Bank 0.05% 0.40x $1 -
Badger Bank 0.05% 0.40x $100 -
Collins State Bank 0.05% 0.40x $100 -
National Bank of Commerce 0.05% 0.40x $1 -
Wisconsin Bank & Trust 0.05% 0.40x $1 -
Sterling Bank 0.05% 0.40x $1 -
The Peoples Community Bank 0.05% 0.40x $1 -
WOODTRUST BANK 0.05% 0.40x $10,000 -
Citizens State Bank 0.05% 0.40x $1 -
River Falls State Bank 0.05% 0.40x $1 -
Oak Bank 0.05% 0.40x $2,500 -
The Equitable Bank, S.S.B. 0.05% 0.40x $1 -
Hometown Bank 0.05% 0.40x $1 -
Bank Mutual 0.05% 0.40x $1 -
Sunset Bank & Savings 0.05% 0.40x $500 -
First Citizens State Bank 0.05% 0.40x $1 -
The International Bank of Amherst 0.05% 0.40x $1 -
Cornerstone Community Bank 0.05% 0.40x $100 -
PyraMax Bank, FSB 0.05% 0.40x $1 -
Merrill Federal Savings and Loan Association 0.05% 0.40x $5 -
Merchants Bank, National Association 0.05% 0.40x $50 -
Peoples Bank 0.05% 0.40x $1 -
Tri City National Bank 0.05% 0.40x $10,000 -
Peoples State Bank 0.05% 0.40x $1 -
Bank of Wisconsin Dells 0.05% 0.40x $750 -
The Bank of New Glarus 0.05% 0.40x $1 -
First Federal Bank of Wisconsin 0.05% 0.40x $1 -
Bank of Deerfield 0.05% 0.40x $1 -
Cleveland State Bank 0.05% 0.40x $1 -
Citizens Bank 0.05% 0.40x $1 -
Richland County Bank 0.05% 0.40x $25 -
Bay Bank 0.05% 0.40x $1 -
Johnson Bank 0.05% 0.40x $1 -
North Shore Bank, FSB 0.05% 0.40x $1 -
Dairy State Bank 0.05% 0.40x $1 -
Associated Bank, National Association 0.05% 0.40x $1 -
Guaranty Bank 0.05% 0.40x $10,000 -
The Huntington National Bank 0.05% 0.40x $1 -
Partnership Bank 0.05% 0.40x $1 -
Nekoosa Port Edwards State Bank 0.05% 0.40x $2,500 -
First Business Bank 0.05% 0.40x $1 -
mBank 0.05% 0.40x $1 -
Tomahawk Community Bank S.S.B. 0.05% 0.40x $5 -
Community First Bank 0.05% 0.40x $1 -
Farmers & Merchants Bank & Trust 0.05% 0.40x $25 -
Waukesha State Bank 0.05% 0.40x $1,000 -
Banner Banks 0.05% 0.40x $1,000 -
National Exchange Bank and Trust 0.05% 0.40x $1 -
McFarland State Bank 0.05% 0.40x $10,000 -
The Necedah Bank 0.05% 0.40x $1 -
First State Bank and Trust 0.05% 0.40x $1 -
F&M Bank 0.05% 0.40x $0 -
Nicolet National Bank 0.05% 0.40x $1,000 -
Commercial Bank 0.05% 0.40x $1 -
Security State Bank 0.05% 0.40x $300 -
BMO Harris Bank National Association 0.05% 0.40x $1 -
Grand Marsh State Bank 0.05% 0.40x $100 -
Byline Bank 0.05% 0.40x $200 -
Home Savings Bank 0.05% 0.40x $2,000 -
Town Bank 0.05% 0.40x $10,000 -
The Park Bank 0.05% 0.40x $1 -
Ixonia Bank 0.05% 0.40x $50 -
Peoples Bank Midwest 0.05% 0.40x $100 -
Bank of Milton 0.05% 0.40x $2,500 -
MidWestOne Bank 0.05% 0.40x $100 -
The First National Bank of Hartford 0.05% 0.40x $50 -
Monona State Bank 0.05% 0.40x $2,500 -
U.S. Bank National Association 0.05% 0.40x $10,000 -
United Community Bank 0.05% 0.40x $100 -
Community State Bank 0.05% 0.40x $2,501 -
Middleton Community Bank 0.05% 0.40x $1 -
First National Bank 0.05% 0.40x $1 -
State Bank of the Lakes 0.05% 0.40x $10,000 -
Old National Bank 0.04% 0.32x $2,500 -
The Port Washington State Bank 0.04% 0.32x $1 -
Home Savings Bank 0.04% 0.32x $1 -
McFarland State Bank 0.04% 0.32x $2,500 -
Bank of Milton 0.04% 0.32x $1 -
WOODTRUST BANK 0.04% 0.32x $1,000 -
Guaranty Bank 0.04% 0.32x $2,500 -
U.S. Bank National Association 0.04% 0.32x $1,000 -
Premier Community Bank 0.04% 0.32x $2,500 -
Nicolet National Bank 0.04% 0.32x $100 -
Starion Financial 0.04% 0.32x $1 -
River Valley Bank 0.03% 0.24x $25 -
Waukesha State Bank 0.03% 0.24x $1 -
Capitol Bank 0.03% 0.24x $1 -
Monona State Bank 0.03% 0.24x $100 -
Bank of the West 0.03% 0.24x $10,000 -
Pioneer Bank 0.03% 0.24x $100 -
DMB Community Bank 0.03% 0.24x $40 -
The Park Bank 0.03% 0.24x $1,000 -
Badger Bank 0.03% 0.24x $2,500 -
Lincoln Community Bank 0.03% 0.24x $1 -
Community First Bank 0.03% 0.24x $100 -
River Cities Bank 0.03% 0.24x $1 -
The Farmers State Bank of Waupaca 0.03% 0.24x $10,000 -
PNC Bank, National Association 0.03% 0.24x $1 -
State Bank of Cross Plains 0.03% 0.24x $1 -
The PrivateBank and Trust Company 0.03% 0.24x $1 -
McFarland State Bank 0.03% 0.24x $200 -
Town Bank 0.03% 0.24x $1 -
State Bank of the Lakes 0.03% 0.24x $1,000 -
WOODTRUST BANK 0.03% 0.20x $1 -
Bank of the West 0.02% 0.16x $1 -
Tri City National Bank 0.02% 0.16x $1 -
The First National Bank and Trust Company 0.02% 0.16x $1 -
The Farmers State Bank of Waupaca 0.02% 0.16x $1,000 -
Town Bank 0.02% 0.16x $1 -
Wisconsin Bank & Trust 0.02% 0.16x $1 -
Pioneer Bank 0.02% 0.16x $1 -
Citizens Community Federal National Association 0.02% 0.16x $1 -
WaterStone Bank, SSB 0.01% 0.08x $100 -
Bank Mutual 0.01% 0.08x $1 -
Wells Fargo Bank, National Association 0.01% 0.08x $1 -
DMB Community Bank 0.01% 0.08x $1 -
The First National Bank and Trust Company 0.01% 0.08x $2,500 -
The Farmers State Bank of Waupaca 0.01% 0.08x $1 -
First American Bank, N.A. 0.01% 0.08x $1,000 -
Blackhawk Bank 0.01% 0.08x $200 -
Frandsen Bank & Trust 0.01% 0.08x $1 -
JPMorgan Chase Bank, National Association 0.01% 0.08x $1 -
U.S. Bank National Association 0.01% 0.08x $1 -
First National Bank 0.01% 0.08x $1 -
PNC Bank, National Association 0.01% 0.08x $2,500 -
TCF National Bank 0.01% 0.08x $500 -
Old National Bank 0.01% 0.08x $1 -
Gateway Community Bank 0.01% 0.08x $1 -
Bank of the West 0.01% 0.08x $1 -


BestCashCow strives to maintain the most accurate rates. If you find a rate that is not accurate, please let us know by commenting below so that we can update it. Thank you for your help.

PRODUCT INFORMATION


Local Savings Accounts 2017

Savings accounts offer depositors flexibility along with the stability of FDIC insurance (assuming your deposit amounts are within FDIC limits – see below). Savings accounts are a good place to keep money for unforeseen expenses, as well as money that you may be preparing to use and want to keep safe. Individuals often use savings accounts for a home down payment, a vacation, a wedding, a car, an emergency fund, or other near-term expenditures. However, if you have cash that you do not believe you will need for at least a year, you may want to consider investing in a certificate of deposit.

While online savings account have grown in popularity and usage dramatically over the past fifteen years, some consumers prefer opening an account in a branch and having a personal relationship with the people who safeguard their money. Physical branches also provide an easy way to get cash instantly, to deposit checks, to access to notaries, and sometimes to get free coffee and donuts.

You will find a map with all banks that are close to you here.

FDIC Insurance

BestCashCow strongly recommends that when depositing money, you stay within the insured limits of the Federal Deposit Insurance Corporation (“FDIC”). You should not deposit over $250,000 at a single bank across all products (savings or share certificates, certificates of deposit or time deposits, etc.) unless these deposits are made across different product types (individual, joint, etc). Learn more about FDIC insurance and different product types here. If you are still uncertain whether you are within FDIC limits, you should visit the FDIC's website to determine your coverage limits based on your circumstances.

Advantages of Local Savings or Money Market Accounts:

  • Higher interest rate than a checking account, usually.
  • Personal service and interaction. Unlike an online account you are building a relationship with your banker by opening it in a branch.
  • Online access. Often, depending on the size of the bank, banks enable transactions and deposits to be performed online or through a mobile application.
  • Liquidity. Depositors can withdraw their money at any time.

Disadvantages:

  • A variable interest rate. Rates can change at any time. In a falling rate environment, this is a negative. In a rising rate environment, this is a positive.
  • A lower rate than an online bank. Branches are expensive and non-online banks often can't afford to pay as much interest as an online bank.

FREQUENTLY ASKED QUESTIONS ABOUT LOCAL SAVINGS RATES


Why do savings rates vary so much?

Even though rates are at levels that are historically very low, there is competition for your money. Like any active marketplace, there are buyers and sellers of goods and services at different prices. Banks have different cost structures and they also have different needs for capital. This leads to different rates.

BestCashCow’s surveys show that online banks offer higher savings and CD rates because they have lower expenses from not having to maintain brick-and-mortar locations. Therefore, we strongly recommend that all depositors consider the rates at online banks as savings and money market accounts online can easy be set up to enable quick transfers to your favorite local bank.

What is the difference between a savings account and a money market account?

The differences between a savings account and a money market account are largely arcane. Some money market accounts offer more ways access deposits by issuing checks and debit cards, but prudent consumers will compare the two interchangeably, focusing primarily on rates and service among FDIC-insured banks (or NCUA-insured, for credit unions). Most savvy consumers who plan their expenses and financial needs ahead find the additional functionality offered by money markets to be of little value and will choose whichever account (savings or money market) has the higher rate.

What does annual percentage yield (APY) mean?

Savings rates are displayed in terms of APY to indicate the effective annual-interest return, including the compounding of interest, of the course of a single year. $100,000 deposited in a savings or CD account with a 1.20% APY will earn $1,200 in the course of the year, but monthly interest in the first few months may be less than $100 a month (this also depends on the number of days in the month). Hence, the APY rate is ordinarily a couple of basis points above the real interest rates. Unlike with a Certificate of Deposit, your actual APY in a savings may vary if the rate changes.

How do I choose the right savings account and should I consider CDs?

Begin your search with the table here on BestCashCow.com that you have found. In addition to checking online savings rates, you should also check local bank rates and local credit union rates. If you are unlikely to require access to your cash for some time, you may also consider certificates of deposit (CDs). While CDs have penalties for early withdrawal that may even eat into your principal, the rates on 2, 3, 4 and 5 year CDs are ordinarily significantly higher than savings rates. Several other sections and articles on BestCashCow can also help you to identify your proper cash allocation between savings and CDs. Access these below. You should also familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your savings over time.

8 POINT CHECKLIST FOR A GREAT BANKING RELATIONSHIP WITH YOUR LOCAL BANK

  • Find a bank with a location convenient to you. Location counts.
  • Choose a bank with good rates. Rates are important to get continued growth of your capital.
  • Choose a bank with an extensive network of fee-free ATM machines or which reimburses out-of-network ATM fees, if you still need to regularly access cash.
  • Avoid fees. Choose a bank which doesn’t have service fees provided you maintain a certain balance, which doesn’t charge for ACH inbound and outbound transfers, and which has low fees for things like international wire transfers and bounced checks.
  • Choose a healthy bank. If you click on a bank above, you’ll be taken to the bank’s financial detail. A healthy bank has happy employees and provides loyal service to its customers. No matter how healthy your bank is, stay within FDIC insurance limits.
  • Find something of value to offset what may be slightly lower rates than online accounts offer. Develop personal relationship with your bankers. Personal relationships can help you to get appropriate financial advice, and to navigate financial challenges and needs in the future. (Be careful with the financial advice you and be sure it is appropriate. Inappropriate financial advice is worth a lot less than no financial advice.) They can also put you in touch with others in your community who could be valuable personally and professionally to know. If you don't use your local savings account as an opportunity to build these relationships, you may find that you are better of banking online.
  • Choose a bank that is going to let you access your cash when you need. The great benefit of savings accounts over any other financial product (including CDs) is that you have absolute liquidity. If your bank in creating impediments to accessing your cash (paperwork, fees, etc.), then you need another bank.
  • Be aware that you can have more than one account. Having a great local savings account at a large or small bank near you can be great, but it doesn't need to stop you from opening one or more online savings accounts, or even developing a relationship with another local bank or credit union.

SAVINGS & CD BOOSTER CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.

Input the numbers

  • george koshefsky

    April 21, 2015

    Where is the list of the worst online banks to bank with or the States to avoid

  • ctyank January 19, 2015

    January 19, 2015

    Liberty Bank...Hamden, CT...new branch opening...special savings rate, 1.50% up to $100,000.00 through 2016...do not beleive it is available to om-line customer(s)...checking account linked, free...

  • Sol @ Travis

    September 29, 2013

    @ Travis

    In many cases we do provide this information. For example, the Belmont Savings Bank rate you list above comes with a clear disclaimer if you click the Learn more button. We're always trying to improve though and will certainly continue to gather additional information. Thanks for your comment.

  • Travis MacDonald

    September 29, 2013

    I find the numbers decieving. Some of your banks listed with the highest APR have many restrictions and requirements. I feel that these should be listed on your site in the "details" section to avoid any "bait-and-switch" claims. For instance, Belmont Savings Bank in Belmont, MA is listed as having a 1.00% APR, but the savings account requires a companion checking account with a daily average balance of 250,000. Another example is Salen Five cents Bank under the online banks. The account listed is not available on their website. When I inquired about it, they told me that particular savings product was reserved as an add-on for accounts with daily balances in excess of $10,000. It seems alot of research went into the details pages in terms of company financials and whatnot. Seems like a little more research could be done on the savings and checking products themselves.

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