Highest Youth Savings Account Rates in Wisconsin
28 Wisconsin-specific products
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.
| # | Institution & Rate | Earned in a year at $10,000 | Requirements & Features | Minimum Deposit | Actions |
|---|---|---|---|---|---|
| #1 | Show Details | +$100per year | Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | $0 | |
| #2 | Show Details | +$75per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #3 | Show Details | +$75per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #4 | Farmers & Merchants State Bank Custodial Savings Up to5.00%APY On balances up to $500 · 0.50% above Observed: Oct 13, 2026 Show Details | +$50per yearEffective: 0.50% | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #5 | Farmers & Merchants State Bank Youth Savings Up to5.00%APY On balances up to $500 · 0.50% above Observed: Oct 13, 2026 Show Details | +$50per yearEffective: 0.50% | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #6 | Show Details | +$35per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #7 | Show Details | +$30per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #8 | Show Details | +$20per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #9 | Show Details | +$15per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $0 | |
| #10 | Show Details | +$15per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppIn-Person Access | $25 | |
| #11 | Prevail Bank First-Step Savings Account Up to0.15%APY Needs at least $1,000 Min. balance: $50 Observed: Oct 7, 2026 Show Details | +$15per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #12 | Show Details | +$12per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #13 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #14 | Farmers & Merchants Bank & Trust Galaxies Unlimited 0.05%APY No min. balance for APY Observed: Oct 13, 2026 Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #15 | First National Community Bank Minor Savings Up to3.00%APY On balances up to $1,000 · 0.05% above No min. balance for APY Observed: Oct 7, 2026 Show Details | +$5per yearEffective: 0.05% | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #16 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #17 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $0 | |
| #18 | PyraMax Bank, FSB Club Max Kids Savings Up to0.05%APY Needs at least $20 Min. balance: $20 Observed: Oct 7, 2026 Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $20 | |
| #19 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #20 | Show Details | +$3per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #21 | Show Details | +$3per year | Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | $0 | |
| #22 | Show Details | +$2per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #23 | Show Details | +$2per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $5 | |
| #24 | Show Details | +$2per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #25 | Show Details | +$2per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #26 | Show Details | +$1per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $5 | |
| #27 | Show Details | +$1per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $5 | |
| #28 | Show Details | +$1per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 |
Ladysmith Federal Savings and Loan Association
Junior Savers
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
Direct Link to Product Page (Not Sponsored)
Nicolet National Bank
Junior Savings
Needs at least $1,000
What to Watch
A $5 monthly service charge applies if the available balance falls below $50.
Show Fine Print & Trends Hide Details
| Min. Deposit | $50 |
| Min. Balance | N/A |
| Maintenance Fee | $5 monthly service charge if available balance falls below $50. |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 57038) |
| Eligibility | Ages 0-21. |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The Farmers & Merchants Bank
Kid's Savings 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 | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 15779) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Farmers & Merchants State Bank
Custodial Savings
On balances up to $500 · 0.50% 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 | Quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 13242) |
| Eligibility | Only one account per custodian tax identification number. |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
Farmers & Merchants State Bank
Youth Savings
On balances up to $500 · 0.50% 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 | Quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 13242) |
| Eligibility | Only one account per minor tax identification number. |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
Dairy State Bank
Junior Savers
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: 17162) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
West Pointe Bank
Youth Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $25 |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 34162) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Bank of Prairie du Sac
Eaglee’s Savers Club
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 14660) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
AbbyBank
Junior Savers
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $1 |
| 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
National Exchange Bank and Trust
Steps Savings
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 Hide Details
| Min. Deposit | $25 |
| Min. Balance | $100 |
| 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
Prevail Bank
First-Step Savings Account
Needs at least $1,000
Show Fine Print & Trends Hide Details
| Min. Deposit | $50 |
| Min. Balance | $50 |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 29294) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The Bank of Brodhead
Sammy Savers
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
The Pineries Bank
Minor Savings
What to Watch
A charge of $1.00 applies to each withdrawal after the fourth in a one-month period.
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| 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
Farmers & Merchants Bank & Trust
Galaxies Unlimited
What to Watch
The account must keep a balance of at least $10 to stay open.
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
First National Community Bank
Minor Savings
On balances up to $1,000 · 0.05% above
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 Hide Details
| Min. Deposit | N/A |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 5357) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
First State Bank and Trust
Super Kids Savings
What to Watch
The monthly maintenance charge is waived when the account keeps a $100 minimum balance.
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | $0 |
| Maintenance Fee | No monthly maintenance charge with a $100 minimum balance |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 10159) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Forward Bank
Future Savers
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 Hide Details
| Min. Deposit | $0 |
| Min. Balance | $100 |
| 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
PyraMax Bank, FSB
Club Max Kids Savings
Needs at least $20
Show Fine Print & Trends Hide Details
| Min. Deposit | $20 |
| Min. Balance | $20 |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 29120) |
| Eligibility | The minor account owner must be under the age of 15 to open the account. |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The First National Bank of River Falls
First Savings
What to Watch
Withdrawals are limited to three per month.
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 5364) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Citizens Bank
Ca$h Savings Club
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 Hide Details
| Min. Deposit | $10 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 13055) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The Park Bank
Early Saver
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 19608) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Badger Bank
Badger 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: 2469) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Badger Bank
Forest Friends Club
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 Hide Details
| Min. Deposit | $5 |
| Min. Balance | $0.01 |
| 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
Farmers & Merchants Bank & Trust
Junior Savers
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
First State Bank
Youth Savings
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 Hide Details
| Min. Deposit | $25 |
| Min. Balance | $0.01 |
| Maintenance Fee | $3.00 quarterly maintenance fee, avoided by a $25 minimum daily balance |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 15271) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The Farmers State Bank of Waupaca
Combo Savings Club
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 Hide Details
| Min. Deposit | $5 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 13033) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The Farmers State Bank of Waupaca
Cool Cash Savings
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 Hide Details
| Min. Deposit | $5 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 13033) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The Port Washington State Bank
Youth Savings
What to Watch
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 |
Rate Stability
Nationally Available Youth Savings Accounts
The 4 highest-rate youth savings accounts available nationwide, including in Wisconsin.
| Institution | Product / Term | APY |
|---|---|---|
| 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% |