Highest Club Savings Account Rates in Wisconsin
30 Wisconsin-specific products
The Wisconsin market
Wisconsin accounts
30
Institutions
29
Top Wisconsin APY
5.30% APY
FDIC national average
0.37%
As of Sep 2026
30 club savings accounts are open only to Wisconsin residents, from 29 institutions. The highest advertised APY among them is 5.30%.
13 of the 30 Wisconsin club savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.
Wisconsin-Specific Club Savings Accounts
Club Savings accounts specifically available to Wisconsin residents.
| # | Institution & Rate | Earned in a year at $10,000 | Requirements & Features | Minimum Deposit | Actions |
|---|---|---|---|---|---|
| #1 | Show Details | +$530per year | Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | $0 | |
| #2 | Fidelity Bank & Trust Christmas Club 2.50%APY On balances up to $15,000 · no rate stated above Observed: Oct 13, 2026 Show Details | +$250per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #3 | Show Details | +$232per year | Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | $0 | |
| #4 | Show Details | +$200per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #5 | Show Details | +$125per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #6 | Show Details | +$125per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $20 | |
| #7 | Show Details | +$75per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $5 | |
| #8 | Farmers and Merchants Union Bank Christmas Savings 0.75%APY No min. balance for APY Observed: Oct 12, 2026 Show Details | +$75per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #9 | Show Details | +$75per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $20 | |
| #10 | Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #11 | Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #12 | Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | $0 | |
| #13 | Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #14 | Show Details | +$30per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #15 | Show Details | +$30per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #16 | Show Details | +$20per year | Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | $0 | |
| #17 | Show Details | +$15per year | Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | $0 | |
| #18 | Show Details | +$15per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $5 | |
| #19 | Show Details | +$12per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #20 | Show Details | +$10per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #21 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppIn-Person Access | $15 | |
| #22 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #23 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | $0 | |
| #24 | Union Federal Savings and Loan Association Christmas Club 0.10%APY No min. balance for APY Observed: Oct 13, 2026 Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $5 | |
| #25 | Show Details | +$5per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #26 | Show Details | +$2per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $5 | |
| #27 | Show Details | +$2per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $5 | |
| #28 | Show Details | +$1per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #29 | Show Details | +$1per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $5 | |
| #30 | Show Details | +$1per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 |
Independence State Bank
Christmas Club
What to Watch
Interest does not compound and is credited at maturity. Deposits are limited to $500 each month. Early withdrawals are not permitted. The account matures on October 31, 2026 and does not renew.
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | Doesn't compound |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 10741) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Fidelity Bank & Trust
Christmas Club
On balances up to $15,000 · no rate stated above
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 14382) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Ladysmith Federal Savings and Loan Association
Christmas Club Savings
What to Watch
No withdrawals are allowed. The full balance is paid out by check in mid-October. A $5 dormancy fee applies if the account is dormant for one year.
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 28983) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
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Headwaters State Bank
Christmas Club Savings
What to Watch
Withdrawals are prohibited and the balance is paid out on the third Friday of October each year. New accounts can be opened only between November 1 and March 31, deposits are limited to $3,000 a year, and one account is allowed per tax identification number.
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | $1 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 9035) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Farmers & Merchants State Bank
Holiday Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | Annually |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 13242) |
| Eligibility | Must open in branch or by the bank's online deposit inquiry form. |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
One Community Bank
Property Tax Club Savings
What to Watch
A $20 early closure fee applies if the account is closed before December.
Show Fine Print & Trends Hide Details
| Min. Deposit | $20 |
| Min. Balance | $100 |
| Maintenance Fee | $0 |
| Compound Freq | annually |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 22334) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Dairy State Bank
Christmas Club
Show Fine Print & Trends Hide Details
| Min. Deposit | $5 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 17162) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Farmers and Merchants Union Bank
Christmas Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 14445) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
One Community Bank
Holiday Club Savings
What to Watch
Funds are paid out each October. A $20 early closure fee applies if the account is closed before October.
Show Fine Print & Trends Hide Details
| Min. Deposit | $20 |
| Min. Balance | $100 |
| Maintenance Fee | $0 |
| Compound Freq | annually |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 22334) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Bank of Deerfield
Christmas Club
What to Watch
The balance of the account, with its interest, is mailed to the account holder as a check on October 15th each year.
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 2477) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Bank of Luxemburg
Holiday Club
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 13264) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Horicon Bank
Christmas Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 11236) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
West Pointe Bank
Christmas Club
What to Watch
No early withdrawals are allowed. Funds are paid out at maturity in mid-October.
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $25 |
| Maintenance Fee | $0 |
| Compound Freq | at maturity |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 34162) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Hiawatha National Bank
Christmas Club
What to Watch
No withdrawals are permitted before October 31. A check for the entire balance is issued on November 1. The maximum opening deposit is $250.
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | $50 |
| Maintenance Fee | $0 |
| Compound Freq | annually |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 13058) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Superior Savings Bank
Christmas Club
What to Watch
The club year runs from October to the following October. Deposits are capped at $5,000 for the year, and a check is mailed to the account holder in October.
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | $1 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 28790) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Oostburg State Bank
Christmas Club
What to Watch
The balance is transferred out of the account automatically on October 31 each year.
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | annually |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 10380) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
AbbyBank
Holiday Account
What to Watch
No withdrawals are allowed until the account matures in October, when the entire balance plus interest is deposited into another AbbyBank checking or savings account that you designate. No interest is paid on an account that is closed early.
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 19795) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The Peshtigo National Bank
Christmas Club
What to Watch
Funds are paid out once a year at maturity. A $10 closing fee applies if the account is closed before the maturity date.
Show Fine Print & Trends Hide Details
| Min. Deposit | $5 |
| Min. Balance | $0 |
| Maintenance Fee | None. The savings comparison table lists Monthly Service Charge "None" for Christmas Club. |
| Compound Freq | annually |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 5317) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The Bank of Brodhead
Christmas Club
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 2455) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Laona State Bank
Christmas Club Account
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | annually |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 11601) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
National Exchange Bank and Trust
Holiday Savings
What to Watch
Partial withdrawals are not allowed. Any withdrawal closes the account and costs a $15 early withdrawal penalty. The balance is transferred automatically to an account of the holder's choice each October, and new accounts can be opened only between mid-October and September 1.
Show Fine Print & Trends Hide Details
| Min. Deposit | $15 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 10044) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Paper City Savings Bank, S.A.
Christmas Club
What to Watch
No withdrawal is allowed before 1 November. On 1 November each year the bank transfers the balance automatically to your checking or savings account.
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 29676) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The Pineries Bank
Christmas Club
What to Watch
A check for the balance plus accrued interest is issued after the close of business on the third Friday of October each year. A withdrawal before that date closes the account, and the accrued interest is forfeited.
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 9526) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Union Federal Savings and Loan Association
Christmas Club
Show Fine Print & Trends Hide Details
| Min. Deposit | $5 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 27767) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
First Citizens State Bank
Christmas Club
What to Watch
No withdrawals are allowed. The bank mails the balance as a check before the holiday season, and the interest is credited on the maturity date.
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | at maturity |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 11228) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Badger Bank
Holiday Club
Show Fine Print & Trends Hide Details
| Min. Deposit | $5 |
| Min. Balance | $5 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 2469) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
First State Bank
Christmas Club Savings
What to Watch
The balance is transferred automatically to a First State Bank checking or savings account on October 16 each year, or the next business day when October 16 falls at a weekend. A service charge may be applied to a withdrawal made outside that annual transfer.
Show Fine Print & Trends Hide Details
| Min. Deposit | $5 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 15271) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Farmers & Merchants Bank & Trust
Christmas Club
What to Watch
The balance is paid out once a year, on October 31. Any withdrawal other than that annual payout costs $5.
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 10382) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The Farmers State Bank of Waupaca
Christmas Club
What to Watch
A withdrawal before the annual distribution date can forfeit all accrued interest and can close the account. Online banking shows the account but permits no online transactions.
Show Fine Print & Trends Hide Details
| Min. Deposit | $5 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | annually |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 13033) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The Port Washington State Bank
Holiday Savings
What to Watch
The account matures in the third week of October each year and renews automatically unless no deposits are made within 90 days after maturity. A withdrawal before October forfeits the interest earned and closes the account. A $35 fee applies if the account is closed within 120 days of opening.
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 8698) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |