Highest IRA Savings Account Rates in Wisconsin
31 Wisconsin-specific products

By Aviel Fahl

Newest reading: October 13, 2026

Top Wisconsin Rate:3.53% APYFDIC or NCUA Insured

The Wisconsin market

Wisconsin accounts

Institutions

Top Wisconsin APY

3.53% APY

Nationally: 2.00% APY

FDIC national average

0.37%

As of Sep 2026

31 IRA savings accounts are open only to Wisconsin residents, from 26 institutions. The highest advertised APY among them is 3.53%.

The highest nationally available rate is 2.00% APY, 153 basis points below the Wisconsin leader.

19 of the 31 Wisconsin IRA savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.

Wisconsin-Specific IRA Savings Accounts

IRA Savings accounts specifically available to Wisconsin residents.

#	Institution & Rate	Earned in a year at $10,000	Requirements & Features	Minimum Deposit
#1	Ergo Bank Variable Rate IRA 3.53%APY Observed: Oct 7, 2026 Show Details	+$353per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#2	Bank of Luxemburg Freedom IRA 2.50%APY Observed: Oct 3, 2026 Show Details	+$250per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$25
#3	Farmers and Merchants Union Bank IRA Advantage 2.47%APY Min. balance: $50 Observed: Oct 12, 2026 Show Details	+$247per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$50
#4	Oostburg State Bank Flexible IRA 2.07%APY Observed: Oct 7, 2026 Show Details	+$207per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$50
#5	Fidelity Bank & Trust IRA Savings Up to2.52%APY Needs at least $50,000 Observed: Oct 13, 2026 Show Details	+$202per yearEffective: 2.02%	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$50
#6	Hiawatha National Bank IRA Flex Savings 1.76%APY Min. balance: $100 Observed: Oct 13, 2026 Show Details	+$176per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#7	AbbyBank 24 Month IRA Savings Up to1.66%APY Needs at least $10,000 Min. balance: $100 Observed: Oct 7, 2026 Show Details	+$166per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#8	Peoples State Bank of Plainview IRA Savings 1.66%APY Observed: Oct 3, 2026 Show Details	+$166per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$25
#9	First Citizens State Bank IRA- Variable 1.26%APY No min. balance for APY Observed: Oct 7, 2026 Show Details	+$126per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	N/A
#10	Headwaters State Bank IRA Savings Account 1.00%APY Min. balance: $50 Observed: Oct 13, 2026 Show Details	+$100per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$50
#11	State Bank of Reeseville IRA Savings 1.00%APY Min. balance: $250 Observed: Oct 13, 2026 Show Details	+$100per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$250
#12	Horicon Bank IRA Money Market 0.95%APY Observed: Oct 7, 2026 Show Details	+$95per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$1,000
#13	National Exchange Bank and Trust Money Market IRA Up to1.86%APY Needs at least $250,000 No min. balance for APY Observed: Oct 7, 2026 Show Details	+$75per yearEffective: 0.75%	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features No MinimumsGreat iOS AppIn-Person Access	N/A
#14	The Farmers State Bank of Waupaca IRA Passbook 0.70%APY No min. balance for APY Observed: Oct 7, 2026 Show Details	+$70per year	Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	$0
#15	DUPACO COMMUNITY Roth IRA Savings Up to0.60%APY Needs at least $15,000 No min. balance for APY Observed: Oct 13, 2026 Show Details	+$50per year	We could not confirm: minimum deposit. Features No MinimumsIn-Person Access	N/A
#16	DUPACO COMMUNITY Traditional IRA Savings Up to0.60%APY Needs at least $15,000 No min. balance for APY Observed: Oct 13, 2026 Show Details	+$50per year	We could not confirm: minimum deposit. Features No MinimumsIn-Person Access	N/A
#17	AbbyBank Variable Rate IRA 0.45%APY No min. balance for APY Observed: Oct 7, 2026 Show Details	+$45per year	Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	$0
#18	Fox Valley Savings Bank IRA Savings Up to0.70%APY Needs at least $25,000 Observed: Oct 7, 2026 Show Details	+$35per yearEffective: 0.35%	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	N/A
#19	Forward Bank IRA Savings 0.30%APY No min. balance for APY Observed: Oct 13, 2026 Show Details	+$30per year	Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	$0
#20	PremierBank IRA Passbook 0.30%APY Observed: Oct 3, 2026 Show Details	+$30per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$50
#21	EMPEOPLE IRA Accumulation Share 0.25%APY Min. balance: $25 Observed: Oct 13, 2026 Show Details	+$25per year	We could not confirm: minimum deposit. Features Low MinimumsIn-Person Access	N/A
#22	Johnson Bank Essential IRA Savings 0.15%APY Observed: Oct 7, 2026 Show Details	+$15per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#23	Nicolet National Bank Individual Retirement Account (IRA) 0.15%APY Min. balance: $50 Observed: Oct 13, 2026 Show Details	+$15per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	N/A
#24	Nicolet National Bank Relationship IRA Money Market Account Up to0.15%APY Needs at least $10,000 Observed: Oct 13, 2026 Show Details	+$15per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	N/A
#25	Bank of Deerfield IRA Statement Savings 0.10%APY No min. balance for APY Observed: Oct 13, 2026 Show Details	+$10per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$250
#26	Farmers & Merchants State Bank IRA Passbook Savings 0.07%APY Observed: Oct 13, 2026 Show Details	+$7per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#27	Pillar Bank IRA Savings Up to0.06%APY Needs at least $5,000 Observed: Oct 7, 2026 Show Details	+$6per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	N/A
#28	The First National Bank of River Falls Flex IRA Savings 0.05%APY Observed: Oct 7, 2026 Show Details	+$5per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#29	CREDIT UNION 1 Savings IRA 0.01%APY No min. balance for APY Observed: Oct 7, 2026 Show Details	+$1per year	Features No MinimumsIn-Person Access	$0
#30	CREDIT UNION 1 Savings ROTH IRA 0.01%APY No min. balance for APY Observed: Oct 7, 2026 Show Details	+$1per year	Features No MinimumsIn-Person Access	$0

Ergo Bank

Variable Rate IRA

+$353

per year

3.53% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 10004)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteErgo Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Bank of Luxemburg

Freedom IRA

+$250

per year

2.50% APY

Oct 3, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$25
Min. Balance	N/A
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

StableNo rate changes in last 7 days

Official SiteBank of Luxemburg

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Farmers and Merchants Union Bank

IRA Advantage

+$247

per year

2.47% APY

Oct 12, 2026

FDIC InsuredLow MinimumsIn-Person Access

What to Watch

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

Show Fine Print & Trends

Min. Deposit	$50
Min. Balance	$50
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

StableNo rate changes in last 30 days

Official SiteFarmers and Merchants Union Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Oostburg State Bank

Flexible IRA

+$207

per year

2.07% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$50
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 10380)
Eligibility	United 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)

Read Bank Overview

Fidelity Bank & Trust

IRA Savings

+$202

per year

2.52% APY

Oct 13, 2026

Needs at least $50,000

APY Range: 2.02% – 2.52%

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$50
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

No movement is shown for an “Up to” rate.

Official SiteFidelity Bank & Trust

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Hiawatha National Bank

IRA Flex Savings

+$176

per year

1.76% APY

Oct 13, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	$100
Maintenance Fee	$0
Compound Freq	quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 13058)
Eligibility	United 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)

Read Bank Overview

AbbyBank

24 Month IRA Savings

+$166

per year

1.66% APY

Oct 7, 2026

Needs at least $10,000

APY Range: 1.51% – 1.66%

FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The account has a fixed 24 month term and renews automatically at maturity. Additional deposits are allowed during the term. A penalty may be imposed for an early withdrawal.

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	$100
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

StableNo rate changes in last 30 days

Official SiteAbbyBank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Peoples State Bank of Plainview

IRA Savings

+$166

per year

1.66% APY

Oct 3, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$25
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 1100)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Very StableNo rate changes in last 90 days

Official SitePeoples State Bank of Plainview

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

First Citizens State Bank

IRA- Variable

+$126

per year

1.26% APY

Oct 7, 2026

FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	$0.01
Maintenance Fee	$0
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 11228)
Eligibility	United 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)

Read Bank Overview

#10

Headwaters State Bank

IRA Savings Account

+$100

per year

1.00% APY

Oct 13, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$50
Min. Balance	$50
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

StableNo rate changes in last 30 days

Official SiteHeadwaters State Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#11

State Bank of Reeseville

IRA Savings

+$100

per year

1.00% APY

Oct 13, 2026

FDIC InsuredLow MinimumsIn-Person Access

What to Watch

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.

Show Fine Print & Trends

Min. Deposit	$250
Min. Balance	$250
Maintenance Fee	$7.50 per quarterly cycle, charged only if the balance falls below $100.00 at any time during the cycle, plus $.25 per debit.
Compound Freq	quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 14960)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteState Bank of Reeseville

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#12

Horicon Bank

IRA Money Market

+$95

per year

0.95% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$1,000
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

StableNo rate changes in last 30 days

Official SiteHoricon Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#13

National Exchange Bank and Trust

Money Market IRA

+$75

per year

1.86% APY

Oct 7, 2026

Needs at least $250,000

APY Range: 0.75% – 1.86%

FDIC InsuredNo MinimumsGreat iOS AppIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 10044)
Eligibility	United States
Mobile Ratings	iOS:4.3 Android:3.6
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteNational Exchange Bank and Trust

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#14

The Farmers State Bank of Waupaca

IRA Passbook

+$70

per year

0.70% APY

Oct 7, 2026

FDIC InsuredNo MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 13033)
Eligibility	United 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)

Read Bank Overview

#15

DUPACO COMMUNITY

Roth IRA Savings

+$50

per year

0.60% APY

Oct 13, 2026

Needs at least $15,000

APY Range: 0.45% – 0.60%

No MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	$0.01
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	Check Terms
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteDUPACO COMMUNITY

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#16

DUPACO COMMUNITY

Traditional IRA Savings

+$50

per year

0.60% APY

Oct 13, 2026

Needs at least $15,000

APY Range: 0.45% – 0.60%

No MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	$0.01
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	Check Terms
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteDUPACO COMMUNITY

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#17

AbbyBank

Variable Rate IRA

+$45

per year

0.45% APY

Oct 7, 2026

FDIC InsuredNo MinimumsIn-Person Access

Show Fine Print & Trends

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

StableNo rate changes in last 30 days

Official SiteAbbyBank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#18

Fox Valley Savings Bank

IRA Savings

+$35

per year

0.70% APY

Oct 7, 2026

Needs at least $25,000

APY Range: 0.00% – 0.70%

FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 29188)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteFox Valley Savings Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#19

Forward Bank

IRA Savings

+$30

per year

0.30% APY

Oct 13, 2026

FDIC InsuredNo MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 28530)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteForward Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#20

PremierBank

IRA Passbook

+$30

per year

0.30% APY

Oct 3, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$50
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 5295)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SitePremierBank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#21

EMPEOPLE

IRA Accumulation Share

+$25

per year

0.25% APY

Oct 13, 2026

Low MinimumsIn-Person Access

What to Watch

Variable rate. The APY can change after account opening.

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	$25
Maintenance Fee	$0
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	Check Terms
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteEMPEOPLE

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#22

Johnson Bank

Essential IRA Savings

+$15

per year

0.15% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 20296)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteJohnson Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#23

Nicolet National Bank

Individual Retirement Account (IRA)

+$15

per year

0.15% APY

Oct 13, 2026

FDIC InsuredLow MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	$50
Maintenance Fee	$0
Compound Freq	quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 57038)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteNicolet National Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#24

Nicolet National Bank

Relationship IRA Money Market Account

+$15

per year

0.15% APY

Oct 13, 2026

Needs at least $10,000

APY Range: 0.01% – 0.15%

FDIC InsuredNo MinimumsIn-Person Access

What to Watch

Variable rate. The APY can change at any time at the bank's discretion. The account requires a relationship, which the bank defines as direct deposit checking.

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 57038)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteNicolet National Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#25

Bank of Deerfield

IRA Statement Savings

+$10

per year

0.10% APY

Oct 13, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$250
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

StableNo rate changes in last 7 days

Official SiteBank of Deerfield

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#26

Farmers & Merchants State Bank

IRA Passbook Savings

+$7

per year

0.07% APY

Oct 13, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	Quarterly
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

StableNo rate changes in last 30 days

Official SiteFarmers & Merchants State Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#27

Pillar Bank

IRA Savings

+$6

per year

0.06% APY

Oct 7, 2026

Needs at least $5,000

APY Range: 0.01% – 0.06%

FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 5336)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Official SitePillar Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#28

The First National Bank of River Falls

Flex IRA Savings

+$5

per year

0.05% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 5364)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteThe First National Bank of River Falls

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#29

CREDIT UNION 1

Savings IRA

+$1

per year

0.01% APY

Oct 7, 2026

No MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$0.01
Maintenance Fee	$0
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	Check Terms
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Official SiteCREDIT UNION 1

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#30

CREDIT UNION 1

Savings ROTH IRA

+$1

per year

0.01% APY

Oct 7, 2026

No MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$0.01
Maintenance Fee	$0
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	Check Terms
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Official SiteCREDIT UNION 1

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Nationally Available IRA Savings Accounts

The 3 highest-rate ira savings accounts available nationwide, including in Wisconsin.

Institution	Product / Term	APY	Min. Deposit
nbkc Bank	Personal IRA Savings	2.00%	$0
Synchrony Bank	IRA Money Market Account	2.00%	$0
Carver Bank	Savings Liquit IRA	0.10%	$100

See the full national list