Howard, Wisconsin Money Market Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Howard, Wisconsin money market account rates from banks and credit unions serving Wisconsin range from 2.73% to 4.00% APY, verified by MonitorBankRates as of October 12, 2026. Current Howard, Wisconsin and the surrounding area money market deposit account rates include Bristol Morgan BankBristol Morgan BankA+5.0 ★Texas Ratio: 3.34%Real return: +1.20%APY minus 2.8% CPI (February 2026) Business Money Market at 4.00% APY, Farmers & Merchants State BankFarmers & Merchants State BankA+5.0 ★Texas Ratio: 0.00%Real return: +1.20%APY minus 2.8% CPI (February 2026) Premium Business Money Market at 4.00% APY, Kohler Credit UnionKohler Credit UnionA+5.0 ★Texas Ratio: 2.37%Real return: +1.20%APY minus 2.8% CPI (February 2026) Flex Money Market at 4.00% APY, Shoreline Credit UnionShoreline Credit UnionA+5.0 ★Texas Ratio: 2.64%Real return: +1.19%APY minus 2.8% CPI (February 2026) Elite Money Market at 3.99% APY, and Community First Credit UnionCommunity First Credit UnionA+5.0 ★Texas Ratio: 0.82%Real return: +1.15%APY minus 2.8% CPI (February 2026) Member's Choice IRA Money Market (with active checking ) at 3.95% APY. Money market rates as of October 12, 2026 according to verified data from MonitorBankRates.
Howard is a smaller community with no bank or credit union branches currently in our database. 150 institutions serving the Wisconsin area are available to Howard residents, with money market rates as high as 4.00% APY from Bristol Morgan Bank. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Howard, Wisconsin and surrounding area. Last Updated and Verified: October 12, 2026
Compare the Best Money Market Rates Today in Howard, Wisconsin & the Surrounding Area
Balance: $500,000 and over
Balance: $500,000 and over
Balance: $750,000+; Tier 5; Compounding: Monthly
Balance: $750,000+; Tier 5; Compounding: Monthly
Balance: $1,000,000+
Balance: $2,000,000.00
With Active Checking*
Balance: $750,000.00
With Active Checking*
Balance: $1,000,000+
Balance: $1,000,000+; Compound: Monthly
Balance: $250,000.00 and Over
Balance: $50,000 or more
Balance: $750,000-$999,999.99
Balance: $750,000-$999,999.99; Compound: Monthly
Balance: $1,000,000 or more
- Sep 18, 20263.75%▼ from 3.81%
- Sep 17, 20263.81%first recorded
Qualifications Required: If qualifications are met; Balance: $1,000,000+; If qualifications are met
Balance: $250,000 or more; Rate: Federal Funds Effective Rate minus 0.25%
- Sep 24, 20263.70%▲ from 3.44%
- Sep 14, 20263.44%first recorded
Balance: $500,000.00
With Active Checking*
Balance: $500,000-$749,999.99
Balance: $500,000-$749,999.99; Compound: Monthly
- Sep 18, 20263.63%▼ from 3.67%
- Sep 17, 20263.67%first recorded
Balance: $1,000,000+
Balance: $250,000+
Requires new money and a checking account. Promotional rate for 9-month term.
Balance: $1,000,000 and more
- Sep 18, 20263.50%▼ from 3.53%
- Sep 17, 20263.53%first recorded
Balance: $300,000.00
With Active Checking*
Balance: $500,000.01 and over
Balance: $500,000.01 and over; Dividend Paid: Monthly
Qualifications Required: If qualifications are met; Balance: $500,000-$999,999.99; If qualifications are met
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
- Oct 5, 20263.49%▲ from 3.21%
- Sep 14, 20263.21%first recorded
Balance: $100,000 - $249,999.99; Rate: Federal Funds Effective Rate minus 0.50%
- Sep 24, 20263.44%▲ from 3.19%
- Sep 14, 20263.19%first recorded
Balance: $25,000 - $49,999.99
Balance: $1,000,000+
Balance: $250,000-$499,999.99
Balance: $250,000-$499,999.99; Compound: Monthly
Balance: $500,000+; Qualifications Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. APY=Annual Percentage Yield. Rates may change after account is opened. Rate is accurate as of last dividend declaration date. Account opening deposit not required. Fees may reduce earnings on this account. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted to the account within the last 31 days and be posted to the account by the end of business day of the last day of the month for it to be considered a qualifying transaction. Credit Card transactions must be posted between the 27th of the previous month and the 26th of the current
- Oct 10, 20263.40%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Balance: $25,000.00 to $2,000,000.99
Balance: $25,000.00 to $2,000,000.99
Balance: $100,000.00 - $249,999.99
Balance: $200,001.00 - $500,000.99; $2,500.00 minimum balance to open and maintain to avoid a maintenance fee
Balance: $250,000 - $499,999.99; Qualifications Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. APY=Annual Percentage Yield. Rates may change after account is opened. Rate is accurate as of last dividend declaration date. Account opening deposit not required. Fees may reduce earnings on this account. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted to the account within the last 31 days and be posted to the account by the end of business day of the last day of the month for it to be considered a qualifying transaction. Credit Card transactions must be posted between the 27th of the previous month and the 26th o
- Oct 10, 20263.30%▲ from 3.15%
- Sep 27, 20263.15%first recorded
Balance: $250,000 or more. Introductory APY applies for the first 6 months, after which the APY will adjust to the current market rates and APY located at wsbonline.com/deposit-rates. Offer applied to new money only; funds must not currently be on deposit with WaterStone Bank. $10 minimum balance fee will be imposed monthly if the average daily balance for the statement cycle falls below $5,000. Account must be open and active for 180 calendar days, or a $30 closing fee may be assessed at account closing.
- Oct 7, 20263.29%▲ from 3.00%
- Sep 19, 20263.00%first recorded
Balance: $500,000 - Less than $1,000,000
Balance: $100,000.00 - $249,999.99
Balance: $250,000.01 - $500,000
Balance: $250,000.01 - $500,000; Dividend Paid: Monthly
Balance: $5,000,000 or more
Balance: $3,000,000 - $4,999,999.99
Balance: $200,000.00+
When bundled with a qualifying Verve Optimum Checking account, higher tiered APYs will be paid. Tiered dividend rates/APYs based on daily money market balance ranges from $5,000 to $200,000+. Please request a Rate Sheet for all tiered APYs.
Balance: $250,000 or more
- Sep 22, 20263.23%▲ from 3.16%
- Sep 14, 20263.16%first recorded
Balance: $500,000 - $749,999; Tier 4; Compounding: Monthly
Balance: $500,000 - $749,999; Tier 4; Compounding: Monthly
Balance: $250,000.00 and over
Balance: $100,000 to $249,999.99. Introductory APY applies for the first 6 months, after which the APY will adjust to the current market rates and APY located at wsbonline.com/deposit-rates. Offer applied to new money only; funds must not currently be on deposit with WaterStone Bank. $10 minimum balance fee will be imposed monthly if the average daily balance for the statement cycle falls below $5,000. Account must be open and active for 180 calendar days, or a $30 closing fee may be assessed at account closing.
- Oct 7, 20263.16%▲ from 2.75%
- Sep 19, 20262.75%first recorded
Balance: $2,500,000 - $4,999,999.99
Balance: $100,000 - $249,999
- Sep 22, 20263.13%▲ from 3.06%
- Sep 14, 20263.06%first recorded
Balance: $750,000 - $999,999.99
Balance: $250,000.00 or more
Balance: $200,000 and over
Balance: $1,000,000 and over
Balance: $50,000 - $99,999
- Sep 22, 20263.03%▲ from 2.96%
- Sep 14, 20262.96%first recorded
Balance: $1,000,000 and over
Balance: $2,000,000 +
Introductory Rate Tiers; Balance: $15,000.00 - above
This is a variable-rate account. Interest is compounded monthly and credited monthly. Fees may reduce earnings. The interest rate and APY may change at any time at our discretion.
- Oct 3, 20263.00%▲ from 2.75%
- Sep 27, 20262.75%first recorded
Balance: $250,000.00 or more
Balance: $100,000 and higher; Rate may change after the account is opened. Fees may reduce earnings
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
Introductory Rate Tiers; Balance: $15,000.00 - above
- Oct 7, 20262.96%▼ from 3.00%
- Oct 2, 20263.00%▲ from 2.50%
- Sep 14, 20262.50%first recorded
Balance: $1,000,000 or more
Balance: $50,000 - $99,999.99; Rate: Federal Funds Effective Rate minus 1.00%
Balance: $4,000,000.00 or more
Balance: $1,000,000 or more; Initial, and ongoing, eligibility for the Relationship Money Market rate requires the customer to maintain an additional deposit or loan product with Ixonia Bank.
Balance: $500,000 - $999,999
Balance: $50,000-249,999
Balance: $1,000,000.00+
Balance: $150,000; Tier 2; Compounding: Monthly
Balance: $1,000,000.00 or More
Balance: $250,000 - Less than $500,000
Balance: $250,000.00 or more
Balance: over $250,000.00; APY accurate as of 2/01/2023 and will be paid on the entire balance in the account. A minimum balance fee of $10.00 will be imposed monthly if the average daily balance for the statement cycle falls below $5,000.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. A statement cycle may be from the first day of a month to the last day of that same month. Fees may apply and could reduce earnings. Account must be open and active for 180 calendar days or a $30.00 closing fee will be assessed at account closing. Offer subject to change at any time.
Balance: $100,000.00 - $249,999.99
Balance: $100,000-249,999.99
Balance: $250,000 - $499,999; Tier 3; Compounding: Monthly
Balance: $250,000 - $499,999; Tier 3; Compounding: Monthly
Balance: $250,000 +
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.
Howard, WI Money Market Rate Trends
Compare local Howard, 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 0.004 points over the past 7 days to 2.967% APY.
Wisconsin standard MMA rates fell 0.021 points over the past 7 days to 0.754% APY.
Howard, 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 2.967% 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 Howard, Wisconsin.
Money Market Account Earnings in Howard, 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 (2.967% APY) | Monthly Earnings | Standard MMA (0.754% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $296.72 / year | $24.73 | $75.44 / year | $6.29 |
| $25,000 | $741.80 / year | $61.82 | $188.60 / year | $15.72 |
| $50,000 | $1,483.60 / year | $123.63 | $377.20 / year | $31.43 |
| $100,000 | $2,967.20 / year | $247.27 | $754.40 / year | $62.87 |
| 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: Howard, Wisconsin money market rate averages as of October 13, 2026. | ||||
Available in Howard, Wisconsin Area
About Our Howard, Wisconsin Money Market Rate Database
MonitorBankRates tracks money market rate offers from 59 banks and credit unions available to Howard, Wisconsin residents via statewide and national offers. No branch locations physically in Howard are currently in our database, but all listed offers are open to Howard depositors. 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: Bristol Morgan Bank offers a money market account at 4.00% APY. Use the rate table above to compare all current offers in Howard, Wisconsin.
How to Find the Best Money Market Rates in Howard, Wisconsin
What to compare when shopping for a money market account in Howard, Wisconsin
To find the best money market APYs in Howard, Wisconsin, start with credit unions and online-only banks: Howard, Wisconsin has 26 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 2.967% but top local institutions are offering as high as 4.00%, 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. Howard, Wisconsin high-yield money market rates currently average 2.967% 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 Howard, Wisconsin institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 59 institutions in Howard, 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 Howard, Wisconsin CD rates
- You don’t need check writing and want a lower minimum Howard, Wisconsin savings rates
- You need daily transaction access Howard, Wisconsin checking rates
Howard, Wisconsin Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
17.4% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 2.5% reflects a strong local economy with solid savings capacity. At today’s WI high-yield money market average of 2.967%, saving 10% of the local median salary ($5,159/year) would earn an additional $153 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Howard, Wisconsin Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Howard, Wisconsin.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current WI Avg APY | 2.967% | View Savings Rates | 0.754%(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 Howard, Wisconsin averages tracked in our database as of October 13, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Howard, 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 Howard, 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 Howard, Wisconsin
At WI’s top money market rate of 4.00% from Bristol Morgan Bank, a $10,000 deposit earns $400 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Howard, Wisconsin earner is roughly $12,900. At 2.967% APY in a money market account, saving $1,070/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 2.967% 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 Howard, Wisconsin earner makes $51,598/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 2.967% APY.
Retirement PlannerA $25,000 money market balance earning 2.967% APY grows to roughly $44,866 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 Howard, 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 Howard, 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 Howard, 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 Howard, Wisconsin
What is a Money Market Account (MMA)?
Are Money Market accounts in Howard, Wisconsin safe?
How often do MMA rates change in Howard, Wisconsin?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Howard, 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 Howard, Wisconsin for money market accounts?
Best Money Market Rates in Howard, Wisconsin
- Bristol Morgan Bank
Business Money Market: 4.00% APY - Farmers & Merchants State Bank
Premium Business Money Market: 4.00% APY - Kohler Credit Union
Flex Money Market: 4.00% APY - Shoreline Credit Union
Elite Money Market: 3.99% APY - Community First Credit Union
Member's Choice IRA Money Market (with active checking ): 3.95% APY
Howard, Wisconsin Rates & Resources
