Best Money Market Rates in Janesville, Wisconsin - August 2026
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Brian McKay
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Current Janesville, Wisconsin and the surrounding area money market deposit account rates include Johnson BankJohnson Bank2021 Holiday Dr, Janesville, WI 53545A+5.0 ★Texas Ratio: 2.08%Real return: +0.70%APY minus 2.8% CPI (February 2026) Money Market Locked For 9-Months at 3.50% APY, First Mid Bank & TrustFirst Mid Bank & Trust2525 Milton Ave, Janesville, WI 53545A+5.0 ★Texas Ratio: 2.74%Real return: +0.64%APY minus 2.8% CPI (February 2026) Jumbo Money Market at 3.44% APY, F&M Union BankF&M Union Bank1101 N Parker Dr, Janesville, WI 53545A+5.0 ★Texas Ratio: 0.00%Real return: +0.13%APY minus 2.8% CPI (February 2026) Money Market Checking at 2.93% APY, First Community Credit Union of Beloit Credit UnionFirst Community Credit Union of Beloit Credit Union2701 N Pontiac Dr, Janesville, WI 53545A+5.0 ★Texas Ratio: 4.23%Real return: +0.05%APY minus 2.8% CPI (February 2026) Prosper Max Money Market Account at 2.85% APY, and Educators Credit UnionEducators Credit Union2652 N Lexington Dr, Janesville, WI 53545 0330A+5.0 ★Texas Ratio: 4.41%Real return: +0.01%APY minus 2.8% CPI (February 2026) Premium Money Market at 2.81% APY. Money market rates as of August 28, 2026 according to verified data from MonitorBankRates.
Janesville has 8 local institutions in our database, with money market rates as high as 3.50% APY from Johnson Bank at 2021 Holiday Dr, Janesville, WI 53545. Use the table below to compare all available offers, including options from institutions serving the broader Wisconsin area. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Janesville, Wisconsin and surrounding area. Last Updated and Verified: August 28, 2026
Compare the Best Money Market Rates Today in Janesville, Wisconsin & the Surrounding Area
New money required. Must have a checking account. Promotional rate for 9-month term. At conclusion of term, account may convert to standard tiered variable rate.
Federal Funds Effective Rate minus 0.25%
Federal Funds Effective Rate minus 0.50%
Tiered dividend rates reward higher balances.
Rates are effective as of 08/01/2026. Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. Account balance cannot drop below $10,000. Rates may change after the account has been opened.
Federal Funds Effective Rate minus 1.00%
Rates are effective as of 08/01/2026. Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. Account balance cannot drop below $10,000. Rates may change after the account has been opened.
Rates are effective as of 08/01/2026. Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. Account balance cannot drop below $10,000. Rates may change after the account has been opened.
Rates are effective as of 08/01/2026. Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. Account balance cannot drop below $10,000. Rates may change after the account has been opened.
$100,000.00 & Over
$50,000.00 to $99,999.99
$1,000,000.00 and over
Balance computation method: We use daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest is compounded and paid quarterly. Your interest rate and Annual Percentage Yield may change. We may change the interest rate on your account at any time. Fees could reduce earnings on accounts.
$500,000.00 to $999,999.99
Balance computation method: We use daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest is compounded and paid quarterly. Your interest rate and Annual Percentage Yield may change. We may change the interest rate on your account at any time. Fees could reduce earnings on accounts.
$250,000.00 to $499,999.99
$100,000.00 & Over
$10,000.00 to $49,999.99
$50,000.00 to $99,999.99
$100,000.00 to $249,999.99
Balance computation method: We use daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest is compounded and paid quarterly. Your interest rate and Annual Percentage Yield may change. We may change the interest rate on your account at any time. Fees could reduce earnings on accounts.
Balance computation method: We use daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest is compounded and paid quarterly. Your interest rate and Annual Percentage Yield may change. We may change the interest rate on your account at any time. Fees could reduce earnings on accounts.
Rates are effective as of 08/01/2026. Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. Account balance cannot drop below $10,000. Rates may change after the account has been opened.
Balance computation method: We use daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest is compounded and paid quarterly. Your interest rate and Annual Percentage Yield may change. We may change the interest rate on your account at any time. Fees could reduce earnings on accounts.
Balance computation method: We use daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest is compounded and paid quarterly. Your interest rate and Annual Percentage Yield may change. We may change the interest rate on your account at any time. Fees could reduce earnings on accounts.
$250,000.00 and over; View Disclosure
Balance computation method: We use daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest is compounded and paid quarterly. Your interest rate and Annual Percentage Yield may change. We may change the interest rate on your account at any time. Fees could reduce earnings on accounts.
Balance computation method: We use daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest is compounded and paid quarterly. Your interest rate and Annual Percentage Yield may change. We may change the interest rate on your account at any time. Fees could reduce earnings on accounts.
$100,000.00 to $249,999.99; View Disclosure
The following tiered rates will apply: $1,000-$24,999 = 0.40% APY; $25,000-$74,999 = 0.50% APY; $75,000+ = 0.60% APY.
$10,000.00 to $49,999.99
The following tiered rates will apply: $1,000-$24,999 = 0.40% APY; $25,000-$74,999 = 0.50% APY; $75,000+ = 0.60% APY.
$25,000.00 to $99,999.99
$25,000.00 to $99,999.99; View Disclosure
Balance computation method: We use daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest is compounded and paid quarterly. Your interest rate and Annual Percentage Yield may change. We may change the interest rate on your account at any time. Fees could reduce earnings on accounts.
Balance computation method: We use daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest is compounded and paid quarterly. Your interest rate and Annual Percentage Yield may change. We may change the interest rate on your account at any time. Fees could reduce earnings on accounts.
The following tiered rates will apply: $1,000-$24,999 = 0.40% APY; $25,000-$74,999 = 0.50% APY; $75,000+ = 0.60% APY.
$10,000.00 to $24,999.99; View Disclosure
IRA minimum deposit: $25. Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. $10 fee per month for daily balances below $1,000.
$1,000.00 to $9,999.99; View Disclosure
$25,000.00 & Over
$25,000.00 & Over
IRA minimum deposit: $25. Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. $10 fee per month for daily balances below $1,000.
IRA minimum deposit: $25. Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. $10 fee per month for daily balances below $1,000.
$10,000.00 to $24,999.99
$9,999.99 & Under
$10,000.00 to $24,999.99
IRA minimum deposit: $25. Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. $10 fee per month for daily balances below $1,000.
IRA minimum deposit: $25. Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. $10 fee per month for daily balances below $1,000.
$2,499.99 & Under
$2,499.99 & Under
Up to $24,999.99
Qualifications Required; Qualifying balance up to $1,000,000.00
Qualifications Required; Qualifying balance up to $1,000,000.00
With Checking
Intro rate APY 3.50%
$15,000+; Intro rate
Balance Tiers: $5,000,000 And Greater
Qualifying balance up to $1,000,000.00
Qualifications Required: 21+ debit or credit card transactions per month; minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Level 2: All-In 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. Dividends are compounded and credited monthly and are calculated based on the daily balance method. Excludes ATM and cash transactions. For full terms and conditions, please refer to our Truth in Savings Disclosure. Rate = dividend rate.
Balance Tiers: $3,000,000 - $4,999,999.99
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.
Janesville, WI Money Market Rate Trends
Compare local Janesville, 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 rose 0.016 points over the past 7 days to 2.983% APY.
Wisconsin standard MMA rates rose 0.084 points over the past 7 days to 0.854% APY.
Janesville, 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 2026–2027.
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 2.983% 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: 1–2 Federal Reserve rate cuts of 25 basis points each over the next 12 months, based on current CME FedWatch consensus; money market institutions typically pass through 70–90% of rate cuts to deposit rates within 60–90 days. High-yield online money market rates tend to adjust faster than standard branch-based MMA rates, and jumbo-tier rates often adjust first.
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 Janesville, Wisconsin.
Money Market Account Earnings in Janesville, 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 (2.983% APY) | Monthly Earnings | Standard MMA (0.854% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $298.34 / year | $24.86 | $85.38 / year | $7.11 |
| $25,000 | $745.85 / year | $62.15 | $213.45 / year | $17.79 |
| $50,000 | $1,491.70 / year | $124.31 | $426.90 / year | $35.57 |
| $100,000 | $2,983.40 / year | $248.62 | $853.80 / year | $71.15 |
| 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: Janesville, Wisconsin money market rate averages as of August 30, 2026. | ||||
About Our Janesville, Wisconsin Money Market Rate Database
MonitorBankRates found 8 institutions with branches in Janesville (5 banks, 3 credit unions), plus 37 additional state-chartered and national online institutions available to Janesville 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 (1–5), 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: Johnson Bank offers a money market account at 3.50% APY. Use the rate table above to compare all current offers in Janesville, Wisconsin.
How to Find the Best Money Market Rates in Janesville, Wisconsin
What to compare when shopping for a money market account in Janesville, Wisconsin
To find the best money market APYs in Janesville, Wisconsin, start with credit unions and online-only banks — Janesville, Wisconsin has 23 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–$25,000, with lower rates (or monthly fees) below that threshold. The current WI high-yield money market average is 2.983% — but top local institutions are offering as high as 3.50%, 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. Janesville, Wisconsin high-yield money market rates currently average 2.983% 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 Janesville, Wisconsin institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally — 45 institutions in Janesville, Wisconsin report money market rates to our database.
- You’re among Janesville, Wisconsin’s 18.2% of residents aged 65+ for whom liquid, accessible savings complement fixed-income holdings.
- 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 → Janesville, Wisconsin CD rates
- You don’t need check writing and want a lower minimum → Janesville, Wisconsin savings rates
- You need daily transaction access → Janesville, Wisconsin checking rates
Janesville, Wisconsin Financial Snapshot
Local demographics and economic context for savers — Source: U.S. Census Bureau
18.2% of residents are 65 or older, in line with the national average of 17.3%. At today’s WI high-yield money market average of 2.983%, saving 10% of the local median salary ($4,292/year) would earn an additional $128 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Janesville, Wisconsin Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Janesville, Wisconsin.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current WI Avg APY | 2.983% | View Savings Rates | 0.854%(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 – $2,500 | $0 – $100 | $25 – $100 | $500 – $1,000 |
| Rate Risk | Rate may fall with Fed cuts | Rate may fall with Fed cuts | Rate may fall with Fed cuts | 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 Janesville, Wisconsin averages tracked in our database as of August 30, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Janesville, 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 Janesville, 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 Janesville, Wisconsin
At WI’s top money market rate of 3.50% from Johnson Bank, a $10,000 deposit earns $350 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Janesville, Wisconsin earner is roughly $10,700. At 2.983% APY in a money market account, saving $890/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 2.983% 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 Janesville, Wisconsin earner makes $42,924/year. Track your income vs. expenses to find your monthly surplus — then put it to work at 2.983% APY.
Retirement PlannerA $25,000 money market balance earning 2.983% APY grows to roughly $45,007 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 Janesville, 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 Janesville, 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 Janesville, 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 Janesville, Wisconsin
What is a Money Market Account (MMA)?
Are Money Market accounts in Janesville, Wisconsin safe?
How often do MMA rates change in Janesville, Wisconsin?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Janesville, 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 Janesville, Wisconsin for money market accounts?
Best Money Market Rates in Janesville, Wisconsin
- Johnson Bank
Money Market Locked For 9-Months — 3.50% APY - First Mid Bank & Trust
Jumbo Money Market — 3.44% APY - F&M Union Bank
Money Market Checking — 2.93% APY - First Community Credit Union of Beloit Credit Union
Prosper Max Money Market Account — 2.85% APY - Educators Credit Union
Premium Money Market — 2.81% APY
Janesville, Wisconsin Rates & Resources
