Beloit, Wisconsin Money Market Rates for October 2026
Brian McKay
Brian McKay
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Beloit, Wisconsin money market account rates range from 0.05% to 4.00% APY, verified by MonitorBankRates as of October 31, 2026. Current Beloit, Wisconsin and the surrounding area money market deposit account rates include First Mid Bank & TrustFirst Mid Bank & Trust400 Broad St, Beloit, WI 53511A+5.0 ★Texas Ratio: 3.88%Real return: +0.00%APY minus 3.7% CPIRate verified Oct 31, 2026 Jumbo Money Market at 3.70% APY, Educators Credit UnionEducators Credit Union1154 Cranston Rd, Beloit, WI 53511A+5.0 ★Texas Ratio: 4.30%Real return: -0.70%APY minus 3.7% CPIRate verified Oct 29, 2026 Premium Money Market at 3.00% APY, Bank First, NABank First, NA345 E Grand Ave, Beloit, WI 53511A+5.0 ★Texas Ratio: 3.47%Real return: -1.78%APY minus 3.7% CPIRate verified Oct 31, 2026 Money Market Elite at 1.92% APY, Advia Credit UnionAdvia Credit Union1982 Cranston Rd, Beloit, WI 53511A+5.0 ★Texas Ratio: 5.38%Real return: -3.10%APY minus 3.7% CPIRate verified Oct 29, 2026 Money Market Savings at 0.60% APY, and Associated BankAssociated Bank602 Henry Ave, Beloit, WI 53511A+5.0 ★Texas Ratio: 3.45%Real return: -3.45%APY minus 3.7% CPIRate verified Oct 31, 2026 Associated Select Money Market at 0.25% APY. Money market rates as of October 31, 2026 according to verified data from MonitorBankRates.
Beloit has 5 local institutions in our database, with money market rates as high as 3.70% APY from First Mid Bank & Trust at 400 Broad St, Beloit, WI 53511. Use the table below to compare all available offers, including options from institutions serving the broader Wisconsin area. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Beloit, Wisconsin and surrounding area. Last Updated and Verified: October 31, 2026
Compare the Best Money Market Rates Today in Beloit, Wisconsin & the Surrounding Area
Balance: $250,000 or more; Federal Funds Effective Rate minus 0.25%
- Sep 24, 20263.70%▲ from 3.44%
- Sep 14, 20263.44%first recorded
Balance: $100,000 - $249,999.99; Federal Funds Effective Rate minus 0.50%
- Sep 24, 20263.44%▲ from 3.19%
- Sep 14, 20263.19%first recorded
Balance: $250,000 tier; Regular and IRA accounts; Account balance cannot drop below $10,000
- Oct 9, 20263.00%▲ from 2.81%
- Sep 14, 20262.81%first recorded
Balance: $50,000 - $99,999.99; Federal Funds Effective Rate minus 1.00%
Balance: $100,000 tier; Regular and IRA accounts; Account balance cannot drop below $10,000
- Oct 9, 20262.80%▲ from 2.63%
- Sep 14, 20262.63%first recorded
Balance: $75,000 tier; Regular and IRA accounts; Account balance cannot drop below $10,000
- Oct 9, 20262.67%▲ from 2.50%
- Sep 14, 20262.50%first recorded
Balance: $50,000 tier; Regular and IRA accounts; Account balance cannot drop below $10,000
- Oct 9, 20262.58%▲ from 2.42%
- Sep 14, 20262.42%first recorded
Balance: $100,000.00 & Over; Ten (10) debit transactions (withdrawal or transfer) allowed per statement cycle; $5.00 fee per transaction over ten
Balance: $50,000.00 to $99,999.99; Ten (10) debit transactions (withdrawal or transfer) allowed per statement cycle; $5.00 fee per transaction over ten
Balance: $100,000.00 & Over
Balance: $10,000.00 to $49,999.99; Ten (10) debit transactions (withdrawal or transfer) allowed per statement cycle; $5.00 fee per transaction over ten
Balance: $50,000.00 to $99,999.99
Balance: $10,000 tier; Regular and IRA accounts; Account balance cannot drop below $10,000
- Oct 9, 20261.00%▲ from 0.94%
- Sep 14, 20260.94%first recorded
Balance: $75,000 and over; Interest paid monthly; Progressive rates
Balance: $50,000 or more
Balance: $10,000.00 to $49,999.99
Balance: $25,000 - $74,999; Interest paid monthly; Progressive rates
Balance: $1,000 - $24,999; $1,000 minimum balance to earn dividends; Interest paid monthly; Progressive rates
- Oct 22, 20260.40%▼ from 0.60%
- Sep 14, 20260.60%first recorded
Minimum daily balance to obtain APY: $0.00
Balance: $25,000 - $49,999.99
Balance: Minimum $50,000; Regular account minimum deposit $1,000; IRA minimum deposit $25
Balance: $25,000.00 & Over
Balance: $25,000.00 and over
Balance: Minimum $25,000; Regular account minimum deposit $1,000; IRA minimum deposit $25
Balance: Minimum $10,000; Regular account minimum deposit $1,000; IRA minimum deposit $25
Balance: $10,000.01 - $25,000
Balance: $5,000 - $24,999.99
Balance: $9,999.99 & Under
Balance: $10,000.00 - $24,999.99
Balance: Minimum $2,500; Regular account minimum deposit $1,000; IRA minimum deposit $25
Balance: $0 - $2,500.00
Balance: <$2,500; Regular account minimum deposit $1,000; IRA minimum deposit $25; $10 monthly fee on daily balances below $1,000
Balance: $0 - $4,999.99
Balance: $2,499.99 & Under
Balance: $0.00 - $2,499.99
Balance: $0 - $49,999.99
Balance: $9,999.99 & Under; Ten (10) debit transactions (withdrawal or transfer) allowed per statement cycle; $5.00 fee per transaction over ten
Balance: $500,000 and over
Balance: $500,000 and over
Commercial deposit; Balance: $750,000+ (Tier 5); Compounding: Monthly
Balance: $750,000+ (Tier 5); Compounding: Monthly
Balance: $100,000.00 and over; Dividend Period: Monthly; Checking Writing Available: Yes; Introductory rate expires after April 30, 2027, then converts to Premium Money Market; $100,000 minimum new money required
Balance: $1,000,000+; $50,000 minimum deposit and $5,000+ earn dividends
Active checking defined as 4 or more transactions per month; IRA Money Market (Traditional and Roth)
Balance: $2,000,000 minimum; Active checking defined as 4 or more transactions per month; Balances falling below $75,000 earn 0.30%
Active checking defined as 4 or more transactions per month; IRA Money Market (Traditional and Roth)
Balance: $750,000 minimum; Active checking defined as 4 or more transactions per month; Balances falling below $75,000 earn 0.30%
Balance: $1,000,000+; Compounds Monthly
Balance: $250,000.00 and Over
Balance: $25,000.00 to $2,000,000.99; Requires open Huntington Perks Checking account; Minimum balance to earn interest is $25,000.00 and must be new money to Huntington; Rate effective Oct 30, 2026; Rate based on 43215 ZIP code
- Oct 31, 20263.85%▲ from 3.35%
- Sep 18, 20263.35%first recorded
Balance: $25,000.00 to $2,000,000.99; Requires open Huntington Platinum Perks Checking account; Minimum balance to earn interest is $25,000.00 and must be new money to Huntington; Rate effective Oct 30, 2026; Rate based on 43215 ZIP code
- Oct 31, 20263.85%▲ from 3.35%
- Sep 18, 20263.35%first recorded
Balance: $50,000 or more; $50,000 minimum balance to open; $10,000 new money
- Oct 15, 20263.81%▲ from 3.75%
- Oct 5, 20263.75%▼ from 3.81%
- Sep 29, 20263.81%▲ from 3.75%
- Sep 25, 20263.75%▼ from 3.81%
Balance: $750,000-$999,999.99; Compounds Monthly
Balance: $1,000,000 or more; Balance (Regular or IRA)
If qualifications are met; Balance: $1,000,000+
Balance: $50,000.00 - $99,999.99; Dividend Period: Monthly; Checking Writing Available: Yes; Introductory rate expires after April 30, 2027, then converts to Premium Money Market; $50,000 minimum new money required
- Oct 15, 20263.67%▲ from 3.63%
- Oct 5, 20263.63%▼ from 3.67%
- Sep 29, 20263.67%▲ from 3.63%
- Sep 25, 20263.63%▼ from 3.67%
Active checking defined as 4 or more transactions per month; IRA Money Market (Traditional and Roth)
Balance: $500,000 minimum; Active checking defined as 4 or more transactions per month; Balances falling below $75,000 earn 0.30%
Balance: $500,000-$749,999.99; Compounds Monthly
Balance: $1,000,000+
Balance: $250,000+; Min. Required tier
- Oct 15, 20263.53%▲ from 3.50%
- Oct 5, 20263.50%▼ from 3.53%
- Sep 29, 20263.53%▲ from 3.50%
- Sep 25, 20263.50%▼ from 3.53%
Balance: $5,000,000+
Promotional rate for a 9-month term; requires $25,000 or more in new money and a checking account; Deposit Rate Special effective August 24, 2026 thru October 30, 2026
Balance: $1,000,000 and more; Minimum to open: $25 (Money Market Plus) / $2,500 (Business Money Market Plus); Rate is variable
Active checking defined as 4 or more transactions per month; IRA Money Market (Traditional and Roth)
Balance: $300,000 minimum; Active checking defined as 4 or more transactions per month; Balances falling below $75,000 earn 0.30%
Balance: $500,000.01 and over; Dividend Paid: Monthly
Balance: $500,000.01 and over; Dividend Paid: Monthly
If qualifications are met; Balance: $500,000-$999,999.99
Balance tier from $1,000,000; with checking
Balance: $10,000.00 - $49,999.99; Dividend Period: Monthly; Checking Writing Available: Yes; Introductory rate expires after April 30, 2027, then converts to Premium Money Market; $10,000 minimum new money required
Balance: $15,000+; Intro rate
- Oct 10, 20263.50%▲ from 1.25%
- Sep 14, 20261.25%first recorded
Balance: $5,000,000 And Greater
Balance: $50,000.00 or more; APY based on 3-month US Treasury rate minus 0.50% margin; APY current as of 10/01/26; maximum APY will not exceed 5%
Balance: $25,000 to $49,999.99; New U.S. Bank Elite Money Market clients only; requires deposit of at least $25,000 within 30 days of opening and daily balance of at least $25,000 maintained
Balance: $1,000,000 and over; Minimum balance required to earn stated rate is $20,000; Rate may change after account is opened
Balance: $250,000-$499,999.99; Compounds Monthly
Qualifications Required; Balance: $500,000 and over; Rate = dividend rate
Balance: $100,000.00 - $249,999.99
Balance: $200,001.00 - $500,000.99; $0.01 minimum to earn APY
Qualifications Required; Balance: $250,000-$499,999.99; Rate = dividend rate
Balance: $250,000 or more
- Oct 19, 20263.29%▲ from 3.23%
- Sep 22, 20263.23%▲ from 3.16%
- Sep 14, 20263.16%first recorded
Balance: $2,000,000 +
- Oct 14, 20263.25%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Balance: $500,000 - Less than $1,000,000; Minimum to open: $25 (Money Market Plus) / $2,500 (Business Money Market Plus); Rate is variable
Min to Earn APY: $250,000.00
Min to Earn APY: $250,000.00
Balance: $250,000 - $1,000,000; Promotional rate for 180 days from initial $25,000 deposit (New Money or eligible Term-Share maturity funds required); Rates convert to standard tiers after 180 days
Balance: $250,000.01 - $500,000; Dividend Paid: Monthly
Balance: $1,000,000 - $4,999,999.99
Commercial deposit; Balance: $500,000 - $749,999 (Tier 4); Compounding: Monthly
Balance: $500,000 - $749,999 (Tier 4); Compounding: Monthly
Balance: $100,000 - $249,999.99; Introductory rate for first 6 months; Offer applied to new money only
$25,000 minimum to open account. $25,000 minimum to earn 3.15% APY.
Balance: $50,000.00 - $99,999.99; Rates are subject to new money only; Variable rate, subject to change
Tier 5 $200,000
Balance: $50,000 - $99,999.99; Introductory rate for first 6 months; Offer applied to new money only
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Beloit, WI Money Market Rate Trends
Compare local Beloit, WI money market quotes against the statewide average
Daily money market rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Wisconsin high-yield MMA rates fell 0.001 points over the past 7 days to 2.954% APY.
Wisconsin standard MMA rates currently average 0.748% APY.
Beloit, Wisconsin Money Market Rate Forecast, Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current WI high-yield MMA average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Money market account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current WI high-yield money market average of 2.954% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield money market rates tend to adjust faster than standard branch-based accounts.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Beloit, Wisconsin.
Money Market Account Earnings in Beloit, Wisconsin
Annual interest earnings at current WI average APYs, based on the high-yield and standard money market averages tracked in our database. Balances reflect the higher minimums typical of money market accounts. Compounding assumed monthly.
| Balance | HY Money Market (2.954% APY) | Monthly Earnings | Standard MMA (0.748% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $295.43 / year | $24.62 | $74.83 / year | $6.24 |
| $25,000 | $738.58 / year | $61.55 | $187.08 / year | $15.59 |
| $50,000 | $1,477.15 / year | $123.10 | $374.15 / year | $31.18 |
| $100,000 | $2,954.30 / year | $246.19 | $748.30 / year | $62.36 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, rate tier, and daily balance maintained. Rates are variable and subject to change. Source: Beloit, Wisconsin money market rate averages as of October 31, 2026. | ||||
About Our Beloit, Wisconsin Money Market Rate Database
MonitorBankRates found 5 institutions with branches in Beloit (3 banks, 2 credit unions), plus 52 additional state-chartered and national online institutions available to Beloit residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: First Mid Bank & Trust offers a money market account at 3.70% APY with a minimum deposit of $50,000. Use the rate table above to compare all current offers in Beloit, Wisconsin.
How to Find the Best Money Market Rates in Beloit, Wisconsin
What to compare when shopping for a money market account in Beloit, Wisconsin
To find the best money market APYs in Beloit, Wisconsin, start with credit unions and online-only banks: Beloit, Wisconsin has 28 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate, and pay close attention to balance tiers. Many money market accounts only pay their advertised top rate above a minimum balance of $1,000 to $25,000, with lower rates (or monthly fees) below that threshold. The current WI high-yield money market average is 2.954% but top local institutions are offering as high as 3.70%, so shopping around pays off.
Unlike a CD, money market rates are variable. Your rate can change at any time with Federal Reserve policy. Also check check-writing and debit card limits: most MMAs allow a set number of withdrawals per month, and exceeding the limit can trigger fees. Review your account periodically to ensure your APY remains competitive.
When a Money Market Account Makes Sense
- Emergency fund with flexibility: You get savings-level yields plus limited check-writing and debit access. Beloit, Wisconsin high-yield money market rates currently average 2.954% APY, far above a typical checking account.
- Larger balances ($10,000+): Many MMAs pay tiered rates that rise with your balance, so bigger deposits often earn more than they would in a standard savings account.
- Parking cash between investments: A high-yield money market account at Beloit, Wisconsin institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 57 institutions in Beloit, Wisconsin report money market rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return Beloit, Wisconsin CD rates
- You don’t need check writing and want a lower minimum Beloit, Wisconsin savings rates
- You need daily transaction access Beloit, Wisconsin checking rates
Beloit, Wisconsin Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
14.0% of residents are 65 or older, below the national average of 17.3%. At today’s WI high-yield money market average of 2.954%, saving 10% of the local median salary ($3,685/year) would earn an additional $109 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Beloit, Wisconsin Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Beloit, Wisconsin.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current WI Avg APY | 2.954% | View Savings Rates | 0.748%(Standard MMA) | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✓ Often yes | ✗ No | ✗ No | ✗ No |
| Debit / ATM Card | ✓ Often yes | Some institutions | ✗ Rarely | ✗ No |
| Typical Min Deposit | $0 to $2,500 | $0 to $100 | $25 to $100 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Active savers wanting flexibility + check writing | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Locking in a rate for a defined period |
APY data reflects Beloit, Wisconsin averages tracked in our database as of October 31, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Beloit, Wisconsin Money Market Account Calculator
See how much a money market account can earn you. Enter your deposit, monthly contribution, and time frame, or click any current Beloit, Wisconsin rate on the right to apply it instantly. Interest compounds monthly.
Assumes monthly compounding and a constant APY for the full period. Money market rates are variable and can change at any time, so actual earnings will differ. Estimates are for informational purposes only.
Money Market & Savings Calculators for Beloit, Wisconsin
At WI’s top money market rate of 3.70% from First Mid Bank & Trust, a $10,000 deposit earns $370 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Beloit, Wisconsin earner is roughly $9,200. At 2.954% APY in a money market account, saving $770/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountWisconsin’s high-yield money market average is 2.954% APY, variable, always accessible, and often with check-writing. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Beloit, Wisconsin earner makes $36,853/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 2.954% APY.
Retirement PlannerA $25,000 money market balance earning 2.954% APY grows to roughly $44,754 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Beloit, Wisconsin money market rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for Beloit, Wisconsin directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every money market rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Beloit, Wisconsin. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in WI.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Money Market Accounts in Beloit, Wisconsin
What are money market account rates in Beloit, Wisconsin today?
What is a Money Market Account (MMA)?
Are Money Market accounts in Beloit, Wisconsin safe?
How often do MMA rates change in Beloit, Wisconsin?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Beloit, Wisconsin?
Can I lose money in a Money Market Account?
What is the difference between a Money Market Account and a Money Market Fund?
Do I have to pay taxes on money market account interest?
Are online banks better than local banks in Beloit, Wisconsin for money market accounts?
Best Money Market Rates in Beloit, Wisconsin
- First Mid Bank & Trust
Jumbo Money Market: 3.70% APY - Educators Credit Union
Premium Money Market: 3.00% APY - Bank First, NA
Money Market Elite: 1.92% APY - Advia Credit Union
Money Market Savings: 0.60% APY - Associated Bank
Associated Select Money Market: 0.25% APY
Beloit, Wisconsin Rates & Resources
