Skip to main content

Highest Club Savings Account Rates in Wisconsin
30 Wisconsin-specific products

By Aviel Fahl

Newest reading: October 13, 2026

Top Wisconsin Rate:5.30%

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.

#1

Independence State Bank

Christmas Club

+$530
per year
5.30% APY
Oct 13, 2026
FDIC InsuredNo MinimumsIn-Person Access

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
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDoesn't compound
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 10741)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteIndependence State Bank

Direct Link to Product Page (Not Sponsored)

#2

Fidelity Bank & Trust

Christmas Club

+$250
per year
2.50% APY
Oct 13, 2026

On balances up to $15,000 · no rate stated above

FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 14382)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFidelity Bank & Trust

Direct Link to Product Page (Not Sponsored)

#3

Ladysmith Federal Savings and Loan Association

Christmas Club Savings

+$232
per year
2.32% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access

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
Min. Deposit$0
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 28983)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteLadysmith Federal Savings and Loan Association

Direct Link to Product Page (Not Sponsored)

#4

Headwaters State Bank

Christmas Club Savings

+$200
per year
2.00% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access

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
Min. Deposit$1
Min. Balance$1
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 9035)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteHeadwaters State Bank

Direct Link to Product Page (Not Sponsored)

#5

Farmers & Merchants State Bank

Holiday Savings

+$125
per year
1.25% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$10
Min. BalanceN/A
Maintenance Fee$0
Compound FreqAnnually
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 13242)
EligibilityMust open in branch or by the bank's online deposit inquiry form.
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFarmers & Merchants State Bank

Direct Link to Product Page (Not Sponsored)

#6

One Community Bank

Property Tax Club Savings

+$125
per year
1.25% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A $20 early closure fee applies if the account is closed before December.

Show Fine Print & Trends
Min. Deposit$20
Min. Balance$100
Maintenance Fee$0
Compound Freqannually
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 22334)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteOne Community Bank

Direct Link to Product Page (Not Sponsored)

#7

Dairy State Bank

Christmas Club

+$75
per year
0.75% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$5
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 17162)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

Official SiteDairy State Bank

Direct Link to Product Page (Not Sponsored)

#8

Farmers and Merchants Union Bank

Christmas Savings

+$75
per year
0.75% APY
Oct 12, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$1
Min. Balance$0.01
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 14445)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFarmers and Merchants Union Bank

Direct Link to Product Page (Not Sponsored)

#9

One Community Bank

Holiday Club Savings

+$75
per year
0.75% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

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
Min. Deposit$20
Min. Balance$100
Maintenance Fee$0
Compound Freqannually
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 22334)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteOne Community Bank

Direct Link to Product Page (Not Sponsored)

#10

Bank of Deerfield

Christmas Club

+$50
per year
0.50% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access

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
Min. Deposit$25
Min. Balance$0.01
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 2477)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteBank of Deerfield

Direct Link to Product Page (Not Sponsored)

#11

Bank of Luxemburg

Holiday Club

+$50
per year
0.50% APY
Oct 3, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$10
Min. Balance$0.01
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 13264)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteBank of Luxemburg

Direct Link to Product Page (Not Sponsored)

#12

Horicon Bank

Christmas Savings

+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$0
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 11236)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteHoricon Bank

Direct Link to Product Page (Not Sponsored)

#13

West Pointe Bank

Christmas Club

+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

No early withdrawals are allowed. Funds are paid out at maturity in mid-October.

Show Fine Print & Trends
Min. Deposit$25
Min. Balance$25
Maintenance Fee$0
Compound Freqat maturity
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 34162)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteWest Pointe Bank

Direct Link to Product Page (Not Sponsored)

#14

Hiawatha National Bank

Christmas Club

+$30
per year
0.30% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access

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
Min. Deposit$1
Min. Balance$50
Maintenance Fee$0
Compound Freqannually
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 13058)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteHiawatha National Bank

Direct Link to Product Page (Not Sponsored)

#15

Superior Savings Bank

Christmas Club

+$30
per year
0.30% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access

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
Min. Deposit$1
Min. Balance$1
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 28790)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteSuperior Savings Bank

Direct Link to Product Page (Not Sponsored)

#16

Oostburg State Bank

Christmas Club

+$20
per year
0.20% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access

What to Watch

The balance is transferred out of the account automatically on October 31 each year.

Show Fine Print & Trends
Min. Deposit$0
Min. BalanceN/A
Maintenance Fee$0
Compound Freqannually
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 10380)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

Rate Increased
+0.05%
Since 7 days ago
Official SiteOostburg State Bank

Direct Link to Product Page (Not Sponsored)

#17

AbbyBank

Holiday Account

+$15
per year
0.15% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access

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
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 19795)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteAbbyBank

Direct Link to Product Page (Not Sponsored)

#18

The Peshtigo National Bank

Christmas Club

+$15
per year
0.15% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access

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
Min. Deposit$5
Min. Balance$0
Maintenance FeeNone. The savings comparison table lists Monthly Service Charge "None" for Christmas Club.
Compound Freqannually
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 5317)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe Peshtigo National Bank

Direct Link to Product Page (Not Sponsored)

#19

The Bank of Brodhead

Christmas Club

+$12
per year
0.12% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 2455)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe Bank of Brodhead

Direct Link to Product Page (Not Sponsored)

#20

Laona State Bank

Christmas Club Account

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. BalanceN/A
Maintenance Fee$0
Compound Freqannually
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 11601)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteLaona State Bank

Direct Link to Product Page (Not Sponsored)

#21

National Exchange Bank and Trust

Holiday Savings

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsGreat iOS AppIn-Person Access

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
Min. Deposit$15
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 10044)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteNational Exchange Bank and Trust

Direct Link to Product Page (Not Sponsored)

#22

Paper City Savings Bank, S.A.

Christmas Club

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

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
Min. Deposit$10
Min. BalanceN/A
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29676)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SitePaper City Savings Bank, S.A.

Direct Link to Product Page (Not Sponsored)

#23

The Pineries Bank

Christmas Club

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access

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
Min. Deposit$0
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 9526)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe Pineries Bank

Direct Link to Product Page (Not Sponsored)

#24

Union Federal Savings and Loan Association

Christmas Club

+$10
per year
0.10% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$5
Min. Balance$0
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 27767)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteUnion Federal Savings and Loan Association

Direct Link to Product Page (Not Sponsored)

#25

First Citizens State Bank

Christmas Club

+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access

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
Min. DepositN/A
Min. Balance$0.01
Maintenance Fee$0
Compound Freqat maturity
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 11228)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFirst Citizens State Bank

Direct Link to Product Page (Not Sponsored)

#26

Badger Bank

Holiday Club

+$2
per year
0.02% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$5
Min. Balance$5
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 2469)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteBadger Bank

Direct Link to Product Page (Not Sponsored)

#27

First State Bank

Christmas Club Savings

+$2
per year
0.02% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

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
Min. Deposit$5
Min. Balance$0.01
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 15271)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFirst State Bank

Direct Link to Product Page (Not Sponsored)

#28

Farmers & Merchants Bank & Trust

Christmas Club

+$1
per year
0.01% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access

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
Min. Deposit$10
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 10382)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFarmers & Merchants Bank & Trust

Direct Link to Product Page (Not Sponsored)

#29

The Farmers State Bank of Waupaca

Christmas Club

+$1
per year
0.01% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

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
Min. Deposit$5
Min. BalanceN/A
Maintenance Fee$0
Compound Freqannually
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 13033)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteThe Farmers State Bank of Waupaca

Direct Link to Product Page (Not Sponsored)

#30

The Port Washington State Bank

Holiday Savings

+$1
per year
0.01% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

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
Min. Deposit$1
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 8698)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe Port Washington State Bank

Direct Link to Product Page (Not Sponsored)