Medford, Wisconsin Money Market Rates - October 2026
Brian McKay
Brian McKay
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Medford, Wisconsin money market account rates range from 0.10% to 4.00% APY, verified by MonitorBankRates as of October 23, 2026. Current Medford, Wisconsin and the surrounding area money market deposit account rates include Royal Credit UnionRoyal Credit Union352 N 8th St, Medford, WI 54451 1514A+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, Taylor Credit UnionTaylor Credit Union825 E Allman St, Medford, WI 54451A+5.0 ★Texas Ratio: 1.03%Real return: -1.43%APY minus 3.7% CPIRate verified Oct 19, 2026 Money Market at 2.27% APY, Forward BankForward Bank721 S 8th St, Medford, WI 54451A+5.0 ★Texas Ratio: 2.26%Real return: -2.09%APY minus 3.7% CPIRate verified Oct 21, 2026 BCMMA at 1.61% APY, AbbyBankAbbyBank215 S 8th St, Medford, WI 54451A5.0 ★Texas Ratio: 11.72%Real return: -2.19%APY minus 3.7% CPIRate verified Oct 21, 2026 Money Market at 1.51% APY, and Prevail BankPrevail Bank675 E Broadway Ave, Medford, WI 54451A+5.0 ★Texas Ratio: 1.10%Real return: -2.70%APY minus 3.7% CPIRate verified Oct 21, 2026 Triumph Money Market at 1.00% APY. Money market rates as of October 23, 2026 according to verified data from MonitorBankRates.
Medford has 7 local institutions in our database, with money market rates as high as 3.49% APY from Royal Credit Union at 352 N 8th St, Medford, WI 54451 1514. 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 Medford, Wisconsin and surrounding area. Last Updated and Verified: October 23, 2026
Compare the Best Money Market Rates Today in Medford, 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: $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
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
Paid: Monthly; Balance: over $200,000.00
Paid: Monthly; Balance: $100,000.00-$199,999.99
Balance: $100,000 - $249,999.99; Rates current as of 1/26/2026
Balance: $100,000 - $249,999.99
Balance: $50,000 - $99,999.99; Rates current as of 1/26/2026
Balance: $50,000 - $99,999.99
Balance: $25,000 - $49,999.99; Rates current as of 1/26/2026
Balance: $25,000 - $49,999.99
Money Market Account; Minimum to Earn APY: $1,000,000
- Sep 19, 20261.61%▲ from 1.36%
- Sep 14, 20261.36%first recorded
Money Market Account; Minimum to Earn APY: $1,000,000
- Sep 19, 20261.61%▲ from 1.36%
- Sep 14, 20261.36%first recorded
Balance: $100,000 and more
Money Market Account; Minimum to Earn APY: $250,000
- Sep 19, 20261.46%▲ from 1.20%
- Sep 14, 20261.20%first recorded
Money Market Account; Minimum to Earn APY: $250,000
- Sep 19, 20261.46%▲ from 1.20%
- Sep 14, 20261.20%first recorded
Balance: $10,000 - $24,999.99; Rates current as of 1/26/2026
Balance: $10,000 - $24,999.99
Paid: Monthly; Balance: $25,000.00-$99,999.99
Money Market Account; Minimum to Earn APY: $100,000
- Sep 19, 20261.11%▲ from 0.85%
- Sep 14, 20260.85%first recorded
Money Market Account; Minimum to Earn APY: $100,000
- Sep 19, 20261.11%▲ from 0.85%
- Sep 14, 20260.85%first recorded
Balance: $250,000 and over; $25,000 minimum to open; $0.01 minimum balance required to earn APY
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%
Money Market Account; Minimum to Earn APY: $50,000
- Sep 19, 20260.95%▲ from 0.70%
- Sep 14, 20260.70%first recorded
Money Market Account; Minimum to Earn APY: $50,000
- Sep 19, 20260.95%▲ from 0.70%
- Sep 14, 20260.70%first recorded
Paid: Monthly; Balance: $10,000-$24,999.99
Paid: Monthly; Balance: $2,500.00-$9,999.99
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: $25,000 to $99,999.99
Money Market Account; Minimum to Earn APY: $100
- Sep 19, 20260.60%▲ from 0.35%
- Sep 14, 20260.35%first recorded
Money Market Account; Minimum to Earn APY: $100
- Sep 19, 20260.60%▲ from 0.35%
- Sep 14, 20260.35%first recorded
Balance: $25,000 - $99,999.99; $25,000 minimum to open; $0.01 minimum balance required to earn APY
Balance: $1,000 to $24,999.99
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: $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: $50,000.00 tier (requires $50,000 minimum new money); Introductory rate expires after April 30, 2027; Checking writing available; Dividends compound monthly
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: $75,000 - $149,999.99
- 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%
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: $500,000-$749,999.99; Compounds monthly
Balance: $1,000,000+
Balance: $250,000+; Min. Required tier
Balance: $50,000 - $74,999.99
- 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+
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
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: $500,000.01 and over; Dividend Paid: Monthly
Balance: $500,000.01 and over; Dividend Paid: Monthly
Qualifications Required; Balance: $500,000-$999,999.99
Balance: $1,000,000; Dividend rate with checking
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 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: $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
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.
Medford, WI Money Market Rate Trends
Compare local Medford, 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.
Medford, 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 Medford, Wisconsin.
Money Market Account Earnings in Medford, 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: Medford, Wisconsin money market rate averages as of October 25, 2026. | ||||
About Our Medford, Wisconsin Money Market Rate Database
MonitorBankRates found 7 institutions with branches in Medford (5 banks, 2 credit unions), plus 50 additional state-chartered and national online institutions available to Medford 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 Medford, Wisconsin.
How to Find the Best Money Market Rates in Medford, Wisconsin
What to compare when shopping for a money market account in Medford, Wisconsin
To find the best money market APYs in Medford, Wisconsin, start with credit unions and online-only banks: Medford, Wisconsin has 27 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. Medford, 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 Medford, Wisconsin institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 57 institutions in Medford, Wisconsin report money market rates to our database.
- You’re among Medford, Wisconsin’s 24.5% 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 Medford, Wisconsin CD rates
- You don’t need check writing and want a lower minimum Medford, Wisconsin savings rates
- You need daily transaction access Medford, Wisconsin checking rates
Medford, Wisconsin Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
24.5% of residents are 65 or older, above the national average of 17.3%, making liquid, accessible money market accounts a particularly relevant option in this market; a low unemployment rate of 2.6% 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 ($4,042/year) would earn an additional $119 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Medford, Wisconsin Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Medford, 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 Medford, 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.
Medford, 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 Medford, 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 Medford, 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 Medford, Wisconsin earner is roughly $10,100. At 2.955% APY in a money market account, saving $840/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 Medford, Wisconsin earner makes $40,425/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 Medford, 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 Medford, 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 Medford, 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 Medford, Wisconsin
What is a Money Market Account (MMA)?
Are Money Market accounts in Medford, Wisconsin safe?
How often do MMA rates change in Medford, Wisconsin?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Medford, 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 Medford, Wisconsin for money market accounts?
Best Money Market Rates in Medford, Wisconsin
- Royal Credit Union
Business Indexed Money Market: 3.49% APY - Taylor Credit Union
Money Market: 2.27% APY - Forward Bank
BCMMA: 1.61% APY - AbbyBank
Money Market: 1.51% APY - Prevail Bank
Triumph Money Market: 1.00% APY
Medford, Wisconsin Rates & Resources
