Highest Savings Rates in Wisconsin
108 Wisconsin-specific accounts

Rate applies when the account's monthly qualifications are met. Otherwise the account pays a lower base rate.

Eligibility restricted to select states.

The enhanced rate applies only to the balance up to $50,000 and requires an active non-interest-bearing checking account at the bank. The balance above $50,000 earns the standard savings rate.

Must be opened online. Dividends are paid only when the member is enrolled in eStatements by the end of the month. The account balance is limited to $1,000,000.

The stated APY applies to the first $50,000 of the balance; the part above that earns the bank's low posted rate. A Hometown HYPE Checking account is required, and each statement cycle the account must have online or mobile banking with e-statements, ten signature or PIN debit card transactions and two automatic transfers. If those are not met, the whole balance earns the low rate for that cycle.

Rate applies to new money transferred from another financial institution.

New money only: the deposit must be money not currently held at Wintrust Financial Corporation or any of its subsidiaries. The offer must be mentioned during in-branch account opening, or opened through the URL the bank provides. The advertised APY is not available at all locations.

The stated APY applies to daily balances of $500 or less. Balances from $500.01 to $5,000 earn a lower APY, and above $5,000 a lower interest rate is paid only on the portion over $5,000. More than one withdrawal per month costs $1.00 per withdrawal.

Balances below $10,000 earn no interest.

The bank may close the account if the balance falls below $1. Cashing a check costs $5 when this is the holder's only account and the balance is under $200 at the time.

Variable rate. The rate can change after the account is opened.

The service charge is $3.00 per quarter rather than per month, and is waived by a $100 minimum average daily balance. Each debit transaction above 18 in a quarterly statement cycle costs $1.00.

$2,500 is required to open the account. Balances below $2,500 earn the Statement Savings rate.

The account is closed if no deposit is made in any 90-day period. Once the balance reaches $1,000, the member has 90 days to move the funds to an IRA, or the account is closed. A $5 penalty applies to each withdrawal that is not a transfer to an IRA.

Customers under age 19 have no minimum balance.

The account opens with $10,000, so the lowest balance band is reached only by an account that has drawn down.

A $250 minimum balance is required to avoid the monthly service charge, waived for holders under 18 and holders 55 or better. The interest rate is still earned if the balance falls below that figure. Three in-person withdrawals are allowed each month, and a fee applies to each additional one.

The opening minimum is $10. A monthly fee applies in any month the balance falls below $100.

A $5 monthly service charge applies if the available balance falls below $100.

The $7.50 maintenance fee is charged per quarterly cycle, not per month, and is not charged while the balance stays at $100.00 or more. Closing the account within 3 months of opening costs $30.00.