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Highest Youth Savings Account Rates in Wisconsin
28 Wisconsin-specific products

By Aviel Fahl

Newest reading: October 13, 2026

Top Wisconsin Rate:5.00%

The Wisconsin market

Wisconsin accounts

28

Institutions

24

Top Wisconsin APY

5.00% APY

Nationally: 3.56% APY

FDIC national average

0.37%

As of Sep 2026

28 youth savings accounts are open only to Wisconsin residents, from 24 institutions. The highest advertised APY among them is 5.00%.

The highest nationally available rate is 3.56% APY, 144 basis points below the Wisconsin leader.

6 of the 28 Wisconsin youth savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.

Wisconsin-Specific Youth Savings Accounts

Youth Savings accounts specifically available to Wisconsin residents.

#1

Ladysmith Federal Savings and Loan Association

Junior Savers

+$100
per year
1.00% 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: 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)

#2

Nicolet National Bank

Junior Savings

+$75
per year
0.75% APY
Oct 13, 2026

Needs at least $1,000

APY Range: 0.50% – 0.75%
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A $5 monthly service charge applies if the available balance falls below $50.

Show Fine Print & Trends
Min. Deposit$50
Min. BalanceN/A
Maintenance Fee$5 monthly service charge if available balance falls below $50.
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 57038)
EligibilityAges 0-21.
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteNicolet National Bank

Direct Link to Product Page (Not Sponsored)

#3

The Farmers & Merchants Bank

Kid's Savings Account

+$75
per year
0.75% APY
Oct 13, 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: 15779)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteThe Farmers & Merchants Bank

Direct Link to Product Page (Not Sponsored)

#4

Farmers & Merchants State Bank

Custodial Savings

+$50
per year
5.00% APY
Oct 13, 2026

On balances up to $500 · 0.50% above

APY Range: 0.50% – 5.00%
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 FreqQuarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 13242)
EligibilityOnly one account per custodian tax identification number.
Mobile Ratings
BBB Rating

Rate Stability

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

Official SiteFarmers & Merchants State Bank

Direct Link to Product Page (Not Sponsored)

#5

Farmers & Merchants State Bank

Youth Savings

+$50
per year
5.00% APY
Oct 13, 2026

On balances up to $500 · 0.50% above

APY Range: 0.50% – 5.00%
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 FreqQuarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 13242)
EligibilityOnly one account per minor tax identification number.
Mobile Ratings
BBB Rating

Rate Stability

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

Official SiteFarmers & Merchants State Bank

Direct Link to Product Page (Not Sponsored)

#6

Dairy State Bank

Junior Savers

+$35
per year
0.35% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$1
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)

#7

West Pointe Bank

Youth Savings

+$30
per year
0.30% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$25
Min. Balance$25
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 34162)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteWest Pointe Bank

Direct Link to Product Page (Not Sponsored)

#8

Bank of Prairie du Sac

Eaglee’s Savers Club

+$20
per year
0.20% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$10
Min. Balance$0.01
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 14660)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteBank of Prairie du Sac

Direct Link to Product Page (Not Sponsored)

#9

AbbyBank

Junior Savers

+$15
per year
0.15% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$1
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)

#10

National Exchange Bank and Trust

Steps Savings

+$15
per year
0.15% APY
Oct 7, 2026
FDIC InsuredLow MinimumsGreat iOS AppIn-Person Access

What to Watch

The daily minimum balance requirement applies only after the account has been open one year. Young adults aged 18 to 25 can open the account online; a younger saver opens it in a branch.

Show Fine Print & Trends
Min. Deposit$25
Min. Balance$100
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)

#11

Prevail Bank

First-Step Savings Account

+$15
per year
0.15% APY
Oct 7, 2026

Needs at least $1,000

APY Range: 0.05% – 0.15%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$50
Min. Balance$50
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29294)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SitePrevail Bank

Direct Link to Product Page (Not Sponsored)

#12

The Bank of Brodhead

Sammy Savers

+$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)

#13

The Pineries Bank

Minor Savings

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

What to Watch

A charge of $1.00 applies to each withdrawal after the fourth in a one-month period.

Show Fine Print & Trends
Min. Deposit$10
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)

#14

Farmers & Merchants Bank & Trust

Galaxies Unlimited

+$5
per year
0.05% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The account must keep a balance of at least $10 to stay open.

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)

#15

First National Community Bank

Minor Savings

+$5
per year
3.00% APY
Oct 7, 2026

On balances up to $1,000 · 0.05% above

APY Range: 0.05% – 3.00%
FDIC InsuredNo MinimumsIn-Person Access

What to Watch

The stated APY applies to the first $1,000 of the balance. The balance above $1,000 earns a lower rate. The account is available to customers ages 0 to 17, and it converts to a Simple Savings account when the accountholder turns 18.

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. Balance$0
Maintenance Fee$0
Compound Freqmonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 5357)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

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

Official SiteFirst National Community Bank

Direct Link to Product Page (Not Sponsored)

#16

First State Bank and Trust

Super Kids Savings

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

What to Watch

The monthly maintenance charge is waived when the account keeps a $100 minimum balance.

Show Fine Print & Trends
Min. Deposit$1
Min. Balance$0
Maintenance FeeNo monthly maintenance charge with a $100 minimum balance
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 10159)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFirst State Bank and Trust

Direct Link to Product Page (Not Sponsored)

#17

Forward Bank

Future Savers

+$5
per year
0.05% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A monthly prize is awarded for a deposit of $10. New accounts cannot be opened online and must be opened at a branch.

Show Fine Print & Trends
Min. Deposit$0
Min. Balance$100
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 28530)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteForward Bank

Direct Link to Product Page (Not Sponsored)

#18

PyraMax Bank, FSB

Club Max Kids Savings

+$5
per year
0.05% APY
Oct 7, 2026

Needs at least $20

APY Range: 0.00% – 0.05%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$20
Min. Balance$20
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29120)
EligibilityThe minor account owner must be under the age of 15 to open the account.
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SitePyraMax Bank, FSB

Direct Link to Product Page (Not Sponsored)

#19

The First National Bank of River Falls

First Savings

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

What to Watch

Withdrawals are limited to three per month.

Show Fine Print & Trends
Min. Deposit$10
Min. BalanceN/A
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 5364)
EligibilityUnited 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)

#20

Citizens Bank

Ca$h Savings Club

+$3
per year
0.03% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

This is a joint account, not a custodial account. The child and an adult joint account holder aged 18 or over own the funds equally and have equal rights to make transactions, including withdrawals.

Show Fine Print & Trends
Min. Deposit$10
Min. Balance$0.01
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 13055)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteCitizens Bank

Direct Link to Product Page (Not Sponsored)

#21

The Park Bank

Early Saver

+$3
per year
0.03% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound Freqmonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 19608)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe Park Bank

Direct Link to Product Page (Not Sponsored)

#22

Badger Bank

Badger Club

+$2
per year
0.02% APY
Oct 13, 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: 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)

#23

Badger Bank

Forest Friends Club

+$2
per year
0.02% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The bank matches coin-bank deposits up to $5 each calendar month when the child is present for the deposit.

Show Fine Print & Trends
Min. Deposit$5
Min. Balance$0.01
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)

#24

Farmers & Merchants Bank & Trust

Junior Savers

+$2
per year
0.02% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
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)

#25

First State Bank

Youth Savings

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

What to Watch

The maintenance fee is billed each quarter, not each month. It is avoided by keeping a $25 minimum daily balance.

Show Fine Print & Trends
Min. Deposit$25
Min. Balance$0.01
Maintenance Fee$3.00 quarterly maintenance fee, avoided by a $25 minimum daily balance
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)

#26

The Farmers State Bank of Waupaca

Combo Savings Club

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

What to Watch

The account is open to holders aged 12 and under. It converts automatically to a Cool Cash Savings account on the holder's 13th birthday.

Show Fine Print & Trends
Min. Deposit$5
Min. BalanceN/A
Maintenance Fee$0
Compound Freqquarterly
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)

#27

The Farmers State Bank of Waupaca

Cool Cash Savings

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

What to Watch

The account is open to holders aged 13 to 24. It converts automatically to a Regular Savings account on the holder's 24th birthday.

Show Fine Print & Trends
Min. Deposit$5
Min. BalanceN/A
Maintenance Fee$0
Compound Freqquarterly
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)

#28

The Port Washington State Bank

Youth Savings

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

What to Watch

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)

Nationally Available Youth Savings Accounts

The 4 highest-rate youth savings accounts available nationwide, including in Wisconsin.

InstitutionProduct / Term
Climate First Bank
Youth Savings
3.56%
Capital One
Kids Savings Account
2.50%
Axos Bank
First Savings
0.25%
Carver Bank
Youth Savings
0.10%

See the full national list