Milwaukee, Wisconsin Money Market Rates - October 2026
Brian McKay
Brian McKay
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Milwaukee, Wisconsin money market account rates range from 0.06% to 3.75% APY, verified by MonitorBankRates as of October 13, 2026. Current Milwaukee, Wisconsin and the surrounding area money market deposit account rates include Landmark Credit Union WILandmark Credit Union WI4000 S 27th St, Milwaukee, WI 53221A+5.0 ★Texas Ratio: 3.05%Real return: +0.95%APY minus 2.8% CPI (February 2026) Open Signature Money Market at 3.75% APY, Northwestern Mutual Credit UnionNorthwestern Mutual Credit Union720 E Wisconsin Ave, Milwaukee, WI 53202A+5.0 ★Texas Ratio: 0.01%Real return: +0.76%APY minus 2.8% CPI (February 2026) 1500 Club - Money Market at 3.56% APY, Johnson BankJohnson Bank535 E Wells St, Milwaukee, WI 53202A+5.0 ★Texas Ratio: 1.47%Real return: +0.70%APY minus 2.8% CPI (February 2026) Money Market Locked For 9-Months at 3.50% APY, Peoples State Bank (WI)Peoples State Bank (WI)790 North Jefferson Street, Milwaukee, WI 53202A5.0 ★Texas Ratio: 11.20%Real return: +0.70%APY minus 2.8% CPI (February 2026) Peoples Money Market Plus and Peoples Business Money Market Plus at 3.50% APY, and US BankUS Bank777 E Wisconsin Ave, Milwaukee, WI 53202A+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. Money market rates as of October 13, 2026 according to verified data from MonitorBankRates.
Milwaukee has 18 local institutions in our database, with money market rates as high as 3.75% APY from Landmark Credit Union WI at 4000 S 27th St, Milwaukee, WI 53221. 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 Milwaukee, Wisconsin and surrounding area. Last Updated and Verified: October 13, 2026
Compare the Best Money Market Rates Today in Milwaukee, Wisconsin & the Surrounding Area
Balance: $1,000,000 or more
Requires new money and a checking account. Promotional rate for 9-month term.
Balance: $1,000,000 and more
Balance: $25,000 - $49,999.99
Balance: $25,000.00 to $2,000,000.99
Balance: $25,000.00 to $2,000,000.99
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: $250,000 or more
- Sep 22, 20263.23%▲ from 3.16%
- Sep 14, 20263.16%first recorded
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: $100,000 - $249,999
- Sep 22, 20263.13%▲ from 3.06%
- Sep 14, 20263.06%first recorded
Balance: $50,000 - $99,999
- Sep 22, 20263.03%▲ from 2.96%
- Sep 14, 20262.96%first recorded
Balance: $2,000,000 +
Introductory Rate Tiers; Balance: $15,000.00 - above
Balance: $250,000.00 or more
Balance: $250,000-499,999.99
Balance: $500,000 - $999,999.99
Balance: $250,000 minimum; Account balance cannot drop below $10,000; Regular & IRA Accounts; Rates may change after account opened
- Oct 9, 20263.00%▲ from 2.81%
- Sep 14, 20262.81%first recorded
Balance: $10,000 to earn dividends; Minimum opening deposit $10,000; Promotional rate effective for 10 months from opening date of new Money Market account; Rate may change after introductory period
- Oct 13, 20263.00%▲ from 2.65%
- Sep 22, 20262.65%first recorded
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: $10,000 - $49,999
- Sep 22, 20262.93%▲ from 2.86%
- Sep 14, 20262.86%first recorded
Balance: $50,000 - $74,999.99
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: $100,000 minimum; Account balance cannot drop below $10,000; Regular & IRA Accounts; Rates may change after account opened
- Oct 9, 20262.80%▲ from 2.63%
- Sep 14, 20262.63%first recorded
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
Published APY range: 2.70%-3.75%; Published rate range: 2.70%-3.75%. Rates based on zip code and with a minimum of $25,000 not currently deposited at Huntington. Get your variable rate after opening a Huntington Relationship Money Market Account when you maintain deposits of $25,000.00 - $2,000,000.99. Balances $2,000,001.00 and above currently earn 0.25% (0.25% APY). Balances below $25,000.00 do not earn interest and may be subject to a $25.00 per month maintenance fee. Fees may reduce earnings. When your balance falls into a specific rate tier, your entire balance will earn the applicable rate in effect for that tier. Initial minimum opening deposit to earn interest on the HRMMA is $25,000.00 and must be "New Money" which is defined as money that is not currently on deposit in any Huntington account (except maturing CDs).
Balance: $75,000 minimum; Account balance cannot drop below $10,000; Regular & IRA Accounts; Rates may change after account opened
- Oct 9, 20262.67%▲ from 2.50%
- Sep 14, 20262.50%first recorded
Balance: $1,000,000 - $1,999,999.99
Balance: $50,000 minimum; Account balance cannot drop below $10,000; Regular & IRA Accounts; Rates may change after account opened
- Oct 9, 20262.58%▲ from 2.42%
- Sep 14, 20262.42%first recorded
Balance: $50,000 or more
- Sep 22, 20262.57%▲ from 2.47%
- Sep 14, 20262.47%first recorded
Balance: $100,000.00 - $249,999.99
Balance: $100,000.00 - $249,999.99; 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: $50,000.00 - $99,999.99
Balance: $250,000 - $999,999; 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: $1,000,000 or more
Balance: $500,000 - $999,999.99
Balance: $50,000.00 - $99,999.99
Balance: $50,000.00 - $99,999.99; 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: $250,000 - $999,999
Balance: $250,001 and over; Minimum Balance to Earn Dividends $2,000
Balance: $25,000 - $49,999
- Sep 26, 20262.09%▲ from 2.01%
- Sep 18, 20262.01%first recorded
Balance: $250,000 - $499,999.99
Balance: $0.00 - $24,999.99. 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.
Balance: $100,000 plus
Balance: $100,000 - $249,999
Balance: $10,000 - $24,999
- Sep 26, 20261.61%▲ from 1.54%
- Sep 18, 20261.54%first recorded
Balance: $100,000 - $249,999; 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: $1,000,000.00 and over
- Oct 7, 20261.56%▲ from 1.46%
- Sep 18, 20261.46%first recorded
Balance: $500,000.00 to $999,999.99
- Oct 7, 20261.51%▲ from 1.41%
- Sep 18, 20261.41%first recorded
Balance: $50,000.00 or more
Balance: $25,000-99,999.99
Balance: $50,000 - $99,999; 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: $50,000 - $99,999
Balance: $25,000.00 - $99,999.99
Balance: $100,001-$250,000; Minimum Balance to Earn Dividends $2,000
Balance: $250,000.00 to $499,999.99
- Oct 7, 20261.36%▲ from 1.26%
- Sep 18, 20261.26%first recorded
Balance: $100,000 - $999,999
Balance: $20,000.00 - $49,999.99
Balance: $25,000.00 - $49,999.99
Balance: $25,000.00 - $49,999.99; 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: $25,000.00 - $49,999.99
Balance: $50,001-$100,000; Minimum Balance to Earn Dividends $2,000
Balance: $50,000 - $99,999
Balance: $100,000.00 to $249,999.99
- Oct 7, 20261.06%▲ from 0.95%
- Sep 18, 20260.95%first recorded
Balance: $100,000.00+
Balance: $0-24,999.99
Balance: $2,000.00 - $19,999.99
Balance: $10,000 minimum; Account balance cannot drop below $10,000; Regular & IRA Accounts; Rates may change after account opened
- Oct 9, 20261.00%▲ from 0.94%
- Sep 14, 20260.94%first recorded
Balance: $7,500 - $9,999
Balance: $10,000 or more
Balance: $10,000.00 -$24,999.99
Balance: $2,500 - $7,499
- Oct 9, 20260.70%▲ from 0.60%
- Sep 18, 20260.60%first recorded
Balance: $10,001-$50,000; Minimum Balance to Earn Dividends $2,000
Balance: $2,400 or more
Balance: $0 - $2,499
- Oct 9, 20260.50%▲ from 0.35%
- Sep 18, 20260.35%first recorded
Balance: $2,000-$10,000; Minimum Balance to Earn Dividends $2,000
Balance: up to $9,999.99
Balance tier minimum: $50,000; Regular account minimum deposit $1,000; IRA minimum deposit $25; $10 monthly fee for daily balances below $1,000
Balance tier minimum: $25,000; Regular account minimum deposit $1,000; IRA minimum deposit $25; $10 monthly fee for daily balances below $1,000
Balance tier minimum: $10,000; Regular account minimum deposit $1,000; IRA minimum deposit $25; $10 monthly fee for daily balances below $1,000
Balance: Below $10,000
Balance: $2,500 - $49,999.99
Balance: Below $2,400
Balance tier minimum: $2,500; Regular account minimum deposit $1,000; IRA minimum deposit $25; $10 monthly fee for daily balances below $1,000
Balance: <$2,500; Regular account minimum deposit $1,000; IRA minimum deposit $25; $10 monthly fee for daily balances below $1,000
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.
Milwaukee, WI Money Market Rate Trends
Compare local Milwaukee, 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.
Milwaukee, 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 Milwaukee, Wisconsin.
Money Market Account Earnings in Milwaukee, 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: Milwaukee, Wisconsin money market rate averages as of October 14, 2026. | ||||
About Our Milwaukee, Wisconsin Money Market Rate Database
MonitorBankRates found 18 institutions with branches in Milwaukee (11 banks, 7 credit unions). 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: Landmark Credit Union WI offers a money market account at 3.75% APY. Use the rate table above to compare all current offers in Milwaukee, Wisconsin.
How to Find the Best Money Market Rates in Milwaukee, Wisconsin
What to compare when shopping for a money market account in Milwaukee, Wisconsin
To find the best money market APYs in Milwaukee, Wisconsin, start with credit unions and online-only banks: Milwaukee, Wisconsin has 7 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 3.75%, 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. Milwaukee, 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 Milwaukee, Wisconsin institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 18 institutions in Milwaukee, 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 Milwaukee, Wisconsin CD rates
- You don’t need check writing and want a lower minimum Milwaukee, Wisconsin savings rates
- You need daily transaction access Milwaukee, Wisconsin checking rates
Milwaukee, Wisconsin Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
12.0% of residents are 65 or older, below the national average of 17.3%. At today’s WI high-yield money market average of 2.967%, saving 10% of the local median salary ($3,657/year) would earn an additional $108 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Milwaukee, Wisconsin Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Milwaukee, 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 Milwaukee, 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.
Milwaukee, 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 Milwaukee, 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 Milwaukee, Wisconsin
At WI’s top money market rate of 3.75% from Landmark Credit Union WI , a $10,000 deposit earns $375 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Milwaukee, Wisconsin earner is roughly $9,100. At 2.967% APY in a money market account, saving $760/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 Milwaukee, Wisconsin earner makes $36,574/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 Milwaukee, 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 Milwaukee, 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 Milwaukee, 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 Milwaukee, Wisconsin
What is a Money Market Account (MMA)?
Are Money Market accounts in Milwaukee, Wisconsin safe?
How often do MMA rates change in Milwaukee, Wisconsin?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Milwaukee, 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 Milwaukee, Wisconsin for money market accounts?
Best Money Market Rates in Milwaukee, Wisconsin
- Landmark Credit Union WI
Open Signature Money Market: 3.75% APY - Northwestern Mutual Credit Union
1500 Club - Money Market: 3.56% APY - Johnson Bank
Money Market Locked For 9-Months: 3.50% APY - Peoples State Bank (WI)
Peoples Money Market Plus and Peoples Business Money Market Plus: 3.50% APY - US Bank
Elite Money Market Account: 3.40% APY
Milwaukee, Wisconsin Rates & Resources
