Eau Claire, Wisconsin Money Market Rates - October 2026
Brian McKay
Brian McKay
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Eau Claire, Wisconsin money market account rates range from 0.01% to 4.00% APY, verified by MonitorBankRates as of October 23, 2026. Current Eau Claire, Wisconsin and the surrounding area money market deposit account rates include Royal Credit UnionRoyal Credit Union200 Riverfront Ter, Eau Claire, WI 54703A+5.0 ★Texas Ratio: 3.17%Real return: -0.21%APY minus 3.7% CPIRate verified Oct 19, 2026 Business Indexed Money Market at 3.49% APY, US BankUS Bank131 S Barstow St, Eau Claire, WI 54701A+5.0 ★Texas Ratio: 2.85%Real return: -0.30%APY minus 3.7% CPIRate verified Oct 20, 2026 Elite Money Market Account at 3.40% APY, Marine Credit UnionMarine Credit Union3406 Oakwood HIlls Pkwy Ste 100, Eau Claire, WI 54701A5.0 ★Texas Ratio: 13.08%Real return: -0.70%APY minus 3.7% CPIRate verified Oct 19, 2026 Money Market Special at 3.00% APY, SUPERIOR CHOICESUPERIOR CHOICE3250 N Clairemont Ave, Eau Claire, WI 54703A+5.0 ★Texas Ratio: 4.37%Real return: -1.20%APY minus 3.7% CPIRate verified Oct 19, 2026 Premier Money Market at 2.50% APY, and WESTconsin Credit UnionWESTconsin Credit Union1111 W Clairemont Ave, Eau Claire, WI 54701A+5.0 ★Texas Ratio: 3.22%Real return: -1.78%APY minus 3.7% CPIRate verified Oct 19, 2026 Achieve Money Market at 1.92% APY. Money market rates as of October 23, 2026 according to verified data from MonitorBankRates.
Eau Claire has 9 local institutions in our database, with money market rates as high as 3.49% APY from Royal Credit Union at 200 Riverfront Ter, Eau Claire, WI 54703. 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 Eau Claire, Wisconsin and surrounding area. Last Updated and Verified: October 23, 2026
Compare the Best Money Market Rates Today in Eau Claire, Wisconsin & the Surrounding Area
Balance: $50,000.00 or more; Indexed to 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 clients only; requires $25,000 deposit within 30 days of opening and daily balance of at least $25,000 to maintain rate (ZIP 55402)
Balance: $5,000,000 or more; Rates current as of 1/26/2026
Balance: $2,500,000 - $4,999,999.99; Rates current as of 1/26/2026
Promotional rate effective for 10 months from opening date of new Money Market account; rate may change after the 10-month introductory period; APY shown accurate as of 10/1/26; Membership required
- Oct 13, 20263.00%▲ from 2.65%
- Sep 22, 20262.65%first recorded
Balance: $1,000,000 - $2,499,999.99; Rates current as of 1/26/2026
Balance: $1,000,000 or more
Balance: $500,000 - $999,999.99; Rates current as of 1/26/2026
Balance: $500,000 - $999,999.99
Balance: $250,000 - $499,999.99; Rates current as of 1/26/2026
Balance: $250,000 - $499,999.99
Balance: $250,000.00 and over; Minimum balance to earn 2.50% is $250,000; Membership eligibility required
Balance: $250,001 and over; Minimum balance to earn dividends: $2,000
Balance: $100,000 - $249,999.99; Rates current as of 1/26/2026
Balance: $100,000 - $249,999.99
Balance: $100,000-$249,999.99; Minimum balance to earn 2.00% is $100,000; Membership eligibility required
Balance: $25,000 and more; $15 fee for each withdrawal over 3 each month; $1,000 minimum withdrawal and deposit
Balance: $100,000 and more
Balance: $50,000 - $99,999.99; Rates current as of 1/26/2026
Balance: $50,000 - $99,999.99
Balance: $50,000 - $99,999.99
Balance: $50,000-$99,999.99; Minimum balance to earn 1.75% is $50,000; Membership eligibility required
Balance: $25,000 - $49,999.99; Rates current as of 1/26/2026
Balance: $25,000 - $49,999.99
Balance: $25,000 or more; Remote deposit available; $10 monthly fee if average balance falls below $2,500
Balance: $25,000 - $49,999.99
Balance: $100,001-$250,000; Minimum balance to earn dividends: $2,000
Balance: $10,000 - $24,999.99; Rates current as of 1/26/2026
Balance: $10,000 - $24,999.99
Balance: $0 - $24,999.99; $15 fee in any month if balance drops below $25,000.00; $15 fee for each withdrawal over 3 each month; $1,000 minimum withdrawal and deposit
Balance: $10,000 - $24,999.99
Balance: $50,001-$100,000; Minimum balance to earn dividends: $2,000
Balance: $250,000 and over; $25,000 minimum to open; $0.01 minimum balance required to earn APY
Balance: $10,000-$24,999.99; Minimum balance to earn 1.00% is $10,000; Membership eligibility required
Balance: $49,999.99 or less; Indexed to 3-month US Treasury rate minus 3.00% margin; APY current as of 10/01/26; maximum APY will not exceed 5%
Balance: $9,999.99 or less; Rates current as of 1/26/2026
Balance: $9,999.99 or less
Balance: $100,000 - $249,999.99; $25,000 minimum to open; $0.01 minimum balance required to earn APY
Balance: $10,000 to $24,999.99; Remote deposit available; $10 monthly fee if average balance falls below $2,500
Balance: $10,001-$50,000; Minimum balance to earn dividends: $2,000
Balance: $0.01 to $9,999.99; Remote deposit available; $10 monthly fee if average balance falls below $2,500
Balance: $0-$9,999.99; Minimum balance to earn 0.50% is $0; Membership eligibility required
Balance: $25,000 - $99,999.99; $25,000 minimum to open; $0.01 minimum balance required to earn APY
Balance: $0 - $9,999.99
Balance: $2,000-$10,000; Minimum balance to earn dividends: $2,000
Minimum daily balance to obtain APY: $0.00
Balance: $0.01 - $24,999.99; $25,000 minimum to open; $0.01 minimum balance required to earn APY
Balance: $5,000 and above; Minimum $1,000 to open; $10 monthly service charge if available balance falls below $1,000
Balance: $25,000+; Balance ($1,000 minimum to open and earn APY.)
Balance: $1,000 - $4,999; Minimum $1,000 to open; $10 monthly service charge if available balance falls below $1,000
Balance: $1,000 - $24,999.99; Balance ($1,000 minimum to open and earn APY.)
Balance: $0 to $9,999.99; Standard rate for new accounts (rate valid for new clients only; ZIP 55402)
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 tier (requires $100,000 minimum new money); Introductory rate expires after April 30, 2027; Checking writing available; Dividends compound monthly
Balance: $1,000,000+; Average monthly balance; $50,000 minimum deposit and $5,000+ earn dividends
Traditional and Roth IRA; Active checking defined as 4 or more transactions per month; Balances falling below $75,000 earn a rate and APY of 0.30% and incur a $25 monthly service charge; Effective October 18, 2026
With Active Checking (4 or more transactions per month); Balances falling below $75,000 earn 0.30%
Traditional and Roth IRA; Active checking defined as 4 or more transactions per month; Balances falling below $75,000 earn a rate and APY of 0.30% and incur a $25 monthly service charge; Effective October 18, 2026
With Active Checking (4 or more transactions per month); Balances falling below $75,000 earn 0.30%
Balance: $1,000,000 and over; Compounds monthly
Balance: $250,000.00 and Over
Balance: $50,000 or more; $50,000 minimum balance to open; $10,000 new money
Balance: $150,000 and over
- 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)
Qualifications Required; Balance: $1,000,000+
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: $1,000,000+
Balance: $250,000+; Min. Required tier
Balance: $5,000,000+
Deposit Rate Special effective August 24, 2026 thru October 30, 2026; requires $25,000 or more in new money and a checking account relationship; available to consumer account holders only; 9-month promotional term, then converts to standard tiered variable rate
Balance: $1,000,000 and more; Minimum to open: $25 (Money Market Plus) / $2,500 (Business Money Market Plus); Rate is variable
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: $25,000.00 to $2,000,000.99; Requires an open Huntington Perks Checking account; Minimum balance to earn interest is $25,000.00 and must be new money to Huntington
Balance: $25,000.00 to $2,000,000.99; Requires an open Huntington Platinum Perks Checking account; Minimum balance to earn interest is $25,000.00 and must be new money to Huntington
Balance: $200,001.00 - $500,000.99; $0.01 minimum to earn APY
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: $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
- Oct 21, 20263.16%▼ from 3.50%
- Sep 15, 20263.50%first recorded
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
- Oct 21, 20263.03%▼ from 3.50%
- Sep 15, 20263.50%first recorded
Balance: $15,000.00 - above; Introductory rate guaranteed 180 calendar days after account opening if active consumer checking account requirements are met; requires open and active consumer checking account and one relationship per household
Balance: $1,000,000.00 and over; variable-rate account; interest compounded and credited monthly
- Oct 3, 20263.00%▲ from 2.75%
- Sep 27, 20262.75%first recorded
Balance: $250,000.00 or more
Balance: $100,000 and higher
Balance: $250,000-499,999.99
Balance: $250,000.00 or More
- Sep 24, 20263.00%▲ from 2.27%
- Sep 20, 20262.27%first recorded
Balance: $500,000 Minimum
Balance: $1,000,000 or more
Balance: $50,000 - $99,999.99; Federal Funds Effective Rate minus 1.00%
Balance: $4,000,000.00 or more
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.
Eau Claire, WI Money Market Rate Trends
Compare local Eau Claire, 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 0.007 points over the past 7 days to 2.955% APY.
Wisconsin standard MMA rates fell 0.003 points over the past 7 days to 0.748% APY.
Eau Claire, 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 2.955% 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 Eau Claire, Wisconsin.
Money Market Account Earnings in Eau Claire, 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 (2.955% APY) | Monthly Earnings | Standard MMA (0.748% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $295.53 / year | $24.63 | $74.79 / year | $6.23 |
| $25,000 | $738.82 / year | $61.57 | $186.98 / year | $15.58 |
| $50,000 | $1,477.65 / year | $123.14 | $373.95 / year | $31.16 |
| $100,000 | $2,955.30 / year | $246.28 | $747.90 / year | $62.32 |
| 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: Eau Claire, Wisconsin money market rate averages as of October 25, 2026. | ||||
About Our Eau Claire, Wisconsin Money Market Rate Database
MonitorBankRates found 9 institutions with branches in Eau Claire (5 banks, 4 credit unions), plus 48 additional state-chartered and national online institutions available to Eau Claire 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: Royal Credit Union offers a money market account at 3.49% APY. Use the rate table above to compare all current offers in Eau Claire, Wisconsin.
How to Find the Best Money Market Rates in Eau Claire, Wisconsin
What to compare when shopping for a money market account in Eau Claire, Wisconsin
To find the best money market APYs in Eau Claire, Wisconsin, start with credit unions and online-only banks: Eau Claire, 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 2.955% but top local institutions are offering as high as 3.49%, 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. Eau Claire, Wisconsin high-yield money market rates currently average 2.955% 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 Eau Claire, Wisconsin institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 57 institutions in Eau Claire, 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 Eau Claire, Wisconsin CD rates
- You don’t need check writing and want a lower minimum Eau Claire, Wisconsin savings rates
- You need daily transaction access Eau Claire, Wisconsin checking rates
Eau Claire, Wisconsin Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
16.3% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 3.4% reflects a strong local economy with solid savings capacity. At today’s WI high-yield money market average of 2.955%, saving 10% of the local median salary ($3,557/year) would earn an additional $105 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Eau Claire, Wisconsin Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Eau Claire, Wisconsin.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current WI Avg APY | 2.955% | 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 Eau Claire, Wisconsin averages tracked in our database as of October 25, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Eau Claire, 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 Eau Claire, 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 Eau Claire, Wisconsin
At WI’s top money market rate of 3.49% from Royal Credit Union, a $10,000 deposit earns $349 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Eau Claire, Wisconsin earner is roughly $8,900. At 2.955% APY in a money market account, saving $740/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 2.955% 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 Eau Claire, Wisconsin earner makes $35,576/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 2.955% APY.
Retirement PlannerA $25,000 money market balance earning 2.955% APY grows to roughly $44,762 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 Eau Claire, 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 Eau Claire, 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 Eau Claire, 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 Eau Claire, Wisconsin
What is a Money Market Account (MMA)?
Are Money Market accounts in Eau Claire, Wisconsin safe?
How often do MMA rates change in Eau Claire, Wisconsin?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Eau Claire, 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 Eau Claire, Wisconsin for money market accounts?
Best Money Market Rates in Eau Claire, Wisconsin
- Royal Credit Union
Business Indexed Money Market: 3.49% APY - US Bank
Elite Money Market Account: 3.40% APY - Marine Credit Union
Money Market Special: 3.00% APY - SUPERIOR CHOICE
Premier Money Market: 2.50% APY - WESTconsin Credit Union
Achieve Money Market: 1.92% APY
Eau Claire, Wisconsin Rates & Resources
