Menomonee Falls, Wisconsin Money Market Rates - October 2026
Brian McKay
Brian McKay
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Menomonee Falls, Wisconsin money market account rates range from 0.03% to 4.00% APY, verified by MonitorBankRates as of October 14, 2026. Current Menomonee Falls, Wisconsin and the surrounding area money market deposit account rates include US BankUS BankN78 W14545 Appleton Avenue, Menomonee Falls, WI 53051A+5.0 ★Texas Ratio: 2.85%Real return: +0.60%APY minus 2.8% CPI (February 2026) Elite Money Market Account at 3.40% APY, Tri City National BankTri City National BankN96w18211 County Line Rd, Menomonee Falls, WI 53051A+5.0 ★Texas Ratio: 4.17%Real return: +0.45%APY minus 2.8% CPI (February 2026) Money Market+ at 3.25% APY, Bank Five NineBank Five NineN56w14044 Silver Spring Dr Ste 100, Menomonee Falls, WI 53051A5.0 ★Texas Ratio: 8.25%Real return: +0.20%APY minus 2.8% CPI (February 2026) Relationship Money Market - Introductory Rate at 3.00% APY, Guardian Credit UnionGuardian Credit UnionW186N9559 Bancroft Dr, Menomonee Falls, WI 53051 8009A+5.0 ★Texas Ratio: 2.06%Real return: -0.10%APY minus 2.8% CPI (February 2026) Advantage Money Market at 2.70% APY, and Horicon BankHoricon BankN91w17231 Appleton Avenue, Menomonee Falls, WI 53051A5.0 ★Texas Ratio: 6.71%Real return: -0.32%APY minus 2.8% CPI (February 2026) Money Market - Business at 2.48% APY. Money market rates as of October 14, 2026 according to verified data from MonitorBankRates.
Menomonee Falls has 8 local institutions in our database, with money market rates as high as 3.40% APY from US Bank at N78 W14545 Appleton Avenue, Menomonee Falls, WI 53051. 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 Menomonee Falls, Wisconsin and surrounding area. Last Updated and Verified: October 14, 2026
Compare the Best Money Market Rates Today in Menomonee Falls, Wisconsin & the Surrounding Area
Balance: $25,000 to $49,999.99; Rates for ZIP 55402; new clients only; requires deposit of at least $25,000 within 30 days of opening and minimum daily balance of $25,000
Balance: $2,000,000 +
- Oct 14, 20263.25%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Qualifications Required: Active consumer checking account required: recurring monthly direct deposit (ACH credit) of not less than $250 or five signature-based debit card transactions within any 45 day period; Introductory Rate Tier; Balance: $15,000.00 - above; Introductory rates guaranteed for 180 calendar days after account opening, then revert to standard rates.
Balance: $1,000,000 - $1,999,999.99
- Oct 14, 20262.85%▲ from 2.60%
- Sep 18, 20262.60%first recorded
Balance: $200,000.01 or more
Balance: $500,000 - $999,999.99
- Oct 14, 20262.55%▲ from 2.30%
- Sep 18, 20262.30%first recorded
Balance: $5,000,000+
Balance: $5,000,000 and over; Minimum Balance: $5,000.00
Balance: $1,000,000.01 - 5,000,000.00
Balance: $1,000,000.01 - 5,000,000.00; Minimum Balance: $5,000.00
Balance: $250,000 - $499,999.99
- Oct 14, 20262.25%▲ from 2.00%
- Sep 18, 20262.00%first recorded
Balance: $125,000.01-$200,000
Balance: $500,000.01 - 1,000,000.00
Balance: $500,000.01 - 1,000,000.00; Minimum Balance: $5,000.00
Balance: $100,000+
Balance: $250,000.01 - 500,000.00
Balance: $250,000.01 - 500,000.00; Minimum Balance: $5,000.00
Balance: $75,000.01-$125,000
Balance: $100,000.01 - 250,000.00
Balance: $100,000.01 - 250,000.00; Minimum Balance: $5,000.00
Balance: $30,000.01-$75,000
Balance: $100,000+
- Oct 14, 20261.10%▲ from 1.00%
- Sep 18, 20261.00%first recorded
Balance: $50,000 - $99,999.99
Balance: $0 - 100,000.00
Balance: $0 - 100,000.00; Minimum Balance: $5,000.00
Balance: Below $250,000
- Oct 14, 20261.00%▲ from 0.50%
- Sep 18, 20260.50%first recorded
Individual Retirement Account
Balance: $5,000-$30,000
Balance: $25,000 - $49,999.99
Balance: $50,000 to $99,999.99
- Oct 14, 20260.60%▲ from 0.50%
- Sep 18, 20260.50%first recorded
Qualifications Required: Active consumer checking account required: recurring monthly direct deposit (ACH credit) of not less than $250 or five signature-based debit card transactions within any 45 day period; Standard Rate Tier; Balance: $250,000.00 - above
Qualifications Required: Active consumer checking account required: recurring monthly direct deposit (ACH credit) of not less than $250 or five signature-based debit card transactions within any 45 day period; Standard Rate Tier; Balance: $100,000.00 - $249,999.99
Balance: $10,000 - $24,999.99
Qualifications Required: Active consumer checking account required: recurring monthly direct deposit (ACH credit) of not less than $250 or five signature-based debit card transactions within any 45 day period; Standard Rate Tier; Balance: $50,000.00 - $99,999.99
Balance: $10,000 to $49,999.99
- Oct 14, 20260.35%▲ from 0.25%
- Sep 18, 20260.25%first recorded
Balance: $1,500 to $9,999.99
- Oct 14, 20260.30%▲ from 0.20%
- Sep 18, 20260.20%first recorded
Balance: $250,000.00 - above; Interest is calculated on the entire balance each day at the rate in effect for that balance tier.
Qualifications Required: Active consumer checking account required: recurring monthly direct deposit (ACH credit) of not less than $250 or five signature-based debit card transactions within any 45 day period; Standard Rate Tier; Balance: $15,000.00 - $49,999.99
Balance: $100,000.00 - $249,999.99; Interest is calculated on the entire balance each day at the rate in effect for that balance tier.
Balance: $50,000.00 - $99,999.99; Interest is calculated on the entire balance each day at the rate in effect for that balance tier.
Qualifications Required: Active consumer checking account required: recurring monthly direct deposit (ACH credit) of not less than $250 or five signature-based debit card transactions within any 45 day period; Standard Rate Tier; Balance: $2,500.00 - $14,999.99
Balance: $15,000.00 - $49,999.99; Interest is calculated on the entire balance each day at the rate in effect for that balance tier.
Balance: $0.01 - $9,999.99
Balance: $2,500.00 - $14,999.99; Interest is calculated on the entire balance each day at the rate in effect for that balance tier.
Qualifications Required: Active consumer checking account required: recurring monthly direct deposit (ACH credit) of not less than $250 or five signature-based debit card transactions within any 45 day period; Introductory Rate Tier; Balance: $0.01 - $14,999.99; Introductory rates guaranteed for 180 calendar days after account opening, then revert to standard rates.
- Oct 14, 20260.10%▼ from 3.00%
- Oct 7, 20263.00%first recorded
Balance: $100,000.00 - $249,999.99; PNC TotalRewards Platinum Tier (Average Eligible Balance $500,000 or more) Interest Rate Boost
Balance: $100,000.00 - $249,999.99; PNC TotalRewards Gold Tier (Average Eligible Balance $100,000 to $499,999.99) Interest Rate Boost
Balance: $1.00 - $9,999.99; PNC TotalRewards Platinum Tier (Average Eligible Balance $500,000 or more) Interest Rate Boost
Balance: $1.00 - $9,999.99; PNC TotalRewards Gold Tier (Average Eligible Balance $100,000 to $499,999.99) Interest Rate Boost
Balance: $100,000.00 - $249,999.99; PNC TotalRewards Silver Tier (Average Eligible Balance $25,000 to $99,999.99) Interest Rate Boost
Balance: $100,000.00 - $249,999.99
Balance: $1.00 - $9,999.99
Balance: $0.01 - $2,499.99; Interest is calculated on the entire balance each day at the rate in effect for that balance tier.
Balance: $10,000+; Balances that fall below $2,500 will be assessed a fee. Fees could reduce earnings on this account.
Balance: $100,000.00 and over; New money required; Introductory rate, expires after April 30, 2027; Checking writing available; Dividend period: Monthly
Balance: $1,000,000 and over; Average monthly balance; $50,000 minimum deposit and $5,000+ earn dividends
Balance: $2,000,000 and over; Active checking defined as 4 or more transactions per month; Effective October 13, 2026
Balance: $2,000,000 and over; With Active Checking (4 or more transactions per month); Effective October 13, 2026
Balance: $750,000 and over; Active checking defined as 4 or more transactions per month; Effective October 13, 2026
Balance: $750,000 and over; With Active Checking (4 or more transactions per month); Effective October 13, 2026
Balance: $1,000,000+; Compounds monthly
Balance: $250,000.00 and Over
Balance: $750,000-$999,999.99; Compounds monthly
Balance: $1,000,000 or more; Regular or IRA
Qualifications met; Balance: $1,000,000+
Balance: $50,000.00 and over; New money required; Introductory rate, expires after April 30, 2027; Checking writing available; Dividend period: Monthly
Balance: $500,000 and over; Active checking defined as 4 or more transactions per month; Effective October 13, 2026
Balance: $500,000 and over; With Active Checking (4 or more transactions per month); Effective October 13, 2026
Balance: $500,000-$749,999.99; Compounds monthly
Balance: $300,000 and over; Active checking defined as 4 or more transactions per month; Effective October 13, 2026
Balance: $300,000 and over; With Active Checking (4 or more transactions per month); Effective October 13, 2026
Balance: $500,000.01 and over; Dividend Paid: Monthly
Balance: $500,000.01 and over; Dividend Paid: Monthly
Qualifications met; Balance: $500,000-$999,999.99
Minimum Deposit tier: $1,000,000
With Checking; Balance: $1,000,000 and over
Balance: $10,000.00 and over; New money required; Introductory rate, expires after April 30, 2027; Checking writing available; Dividend period: Monthly
Intro rate; Balance: $15,000+
- 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: $1,000,000+; Minimum balance $20,000 to earn stated rate; Rate may change after account is opened
- Oct 13, 20263.40%▲ from 1.85%
- Sep 14, 20261.85%first recorded
Balance: $250,000-$499,999.99; Compounds monthly
Qualifications Required: 21+ debit or credit card transactions per month; minimum $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Level 2: All-In; Balance: $500,000 and over; Rate = dividend rate
- Oct 10, 20263.40%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Minimum Deposit tier: $1,000,000
Without Checking; Balance: $1,000,000 and over
Balance: $100,000.00 - $249,999.99
Qualifications Required: 21+ debit or credit card transactions per month; minimum $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Level 2: All-In; Balance: $250,000-$499,999.99; Rate = dividend rate
- Oct 10, 20263.30%▲ from 3.15%
- Sep 27, 20263.15%first recorded
Balance: $250,000.01 - $500,000; Dividend Paid: Monthly
Balance: $250,000.01 - $500,000; Dividend Paid: Monthly
Balance: $5,000,000 or more; Rates current as of 1/26/2026
Balance: $3,000,000 - $4,999,999.99
Up to 3.24% APY (qualified, bundled with a qualifying Verve Optimum Checking account); top tier for daily balances of $200,000+; tiered APYs from $5,000 to $200,000+; $5,000 daily balance to earn dividends; No monthly service fee; Rate Sheet available for all tiers
Balance: $250,000 or more
- Sep 22, 20263.23%▲ from 3.16%
- Sep 14, 20263.16%first recorded
Balance: $250,000.00 minimum; For individual accounts only; Dividends compounded monthly
Balance: $2,500,000 - $4,999,999.99; Rates current as of 1/26/2026
Balance: $100,000 - $249,999
- Sep 22, 20263.13%▲ from 3.06%
- Sep 14, 20263.06%first recorded
Balance: $750,000 - $999,999.99; Minimum balance $20,000 to earn stated rate; Rate may change after account is opened
- Oct 13, 20263.05%▲ from 1.85%
- Sep 14, 20261.85%first recorded
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.
Menomonee Falls, WI Money Market Rate Trends
Compare local Menomonee Falls, 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 2.967% APY.
Wisconsin standard MMA rates fell 0.016 points over the past 7 days to 0.754% APY.
Menomonee Falls, 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 Menomonee Falls, Wisconsin.
Money Market Account Earnings in Menomonee Falls, 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 | $296.65 / year | $24.72 | $75.38 / year | $6.28 |
| $25,000 | $741.63 / year | $61.80 | $188.45 / year | $15.70 |
| $50,000 | $1,483.25 / year | $123.60 | $376.90 / year | $31.41 |
| $100,000 | $2,966.50 / year | $247.21 | $753.80 / year | $62.82 |
| 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: Menomonee Falls, Wisconsin money market rate averages as of October 14, 2026. | ||||
About Our Menomonee Falls, Wisconsin Money Market Rate Database
MonitorBankRates found 8 institutions with branches in Menomonee Falls (7 banks, 1 credit union), plus 41 additional state-chartered and national online institutions available to Menomonee Falls 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: US Bank offers a money market account at 3.40% APY with a minimum deposit of $100. Use the rate table above to compare all current offers in Menomonee Falls, Wisconsin.
How to Find the Best Money Market Rates in Menomonee Falls, Wisconsin
What to compare when shopping for a money market account in Menomonee Falls, Wisconsin
To find the best money market APYs in Menomonee Falls, Wisconsin, start with credit unions and online-only banks: Menomonee Falls, Wisconsin has 25 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 3.40%, 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. Menomonee Falls, 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 Menomonee Falls, Wisconsin institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 49 institutions in Menomonee Falls, Wisconsin report money market rates to our database.
- You’re among Menomonee Falls, Wisconsin’s 21.0% 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 Menomonee Falls, Wisconsin CD rates
- You don’t need check writing and want a lower minimum Menomonee Falls, Wisconsin savings rates
- You need daily transaction access Menomonee Falls, Wisconsin checking rates
Menomonee Falls, Wisconsin Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
21.0% 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 1.9% 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 ($6,030/year) would earn an additional $179 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Menomonee Falls, Wisconsin Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Menomonee Falls, 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 Menomonee Falls, Wisconsin averages tracked in our database as of October 14, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Menomonee Falls, 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 Menomonee Falls, 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 Menomonee Falls, Wisconsin
At WI’s top money market rate of 3.40% from US Bank, a $10,000 deposit earns $340 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Menomonee Falls, Wisconsin earner is roughly $15,100. At 2.967% APY in a money market account, saving $1,260/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 Menomonee Falls, Wisconsin earner makes $60,301/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 $44,860 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 Menomonee Falls, 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 Menomonee Falls, 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 Menomonee Falls, 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 Menomonee Falls, Wisconsin
What is a Money Market Account (MMA)?
Are Money Market accounts in Menomonee Falls, Wisconsin safe?
How often do MMA rates change in Menomonee Falls, Wisconsin?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Menomonee Falls, 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 Menomonee Falls, Wisconsin for money market accounts?
Best Money Market Rates in Menomonee Falls, Wisconsin
- US Bank
Elite Money Market Account: 3.40% APY - Tri City National Bank
Money Market+: 3.25% APY - Bank Five Nine
Relationship Money Market - Introductory Rate: 3.00% APY - Guardian Credit Union
Advantage Money Market: 2.70% APY - Horicon Bank
Money Market - Business: 2.48% APY
Menomonee Falls, Wisconsin Rates & Resources
