Oak Creek, Wisconsin Money Market Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Current Oak Creek, Wisconsin and the surrounding area money market deposit account rates include WaterStone BankWaterStone Bank6560 S 27th St, Oak Creek, WI 53154A+5.0 ★Texas Ratio: 2.07%Real return: +0.70%APY minus 2.8% CPI (February 2026) Ultimate Money Market account at 3.50% APY, The Huntington National BankThe Huntington National Bank8995 S Howell Ave, Oak Creek, WI 53154A5.0 ★Texas Ratio: 6.08%Real return: +0.55%APY minus 2.8% CPI (February 2026) Relationship Money Market Account at 3.35% APY, University of Wisconsin Credit UnionUniversity of Wisconsin Credit Union7902 S Main St, Oak Creek, WI 53154 1902A+5.0 ★Texas Ratio: 3.95%Real return: +0.36%APY minus 2.8% CPI (February 2026) Investor's Indexed Money Market Account at 3.16% APY, Educators Credit UnionEducators Credit Union130 W Town Square Way, Oak Creek, WI 53154A+5.0 ★Texas Ratio: 2.95%Real return: +0.01%APY minus 2.8% CPI (February 2026) Premium Money Market at 2.81% APY, and Bristol Morgan BankBristol Morgan BankA+5.0 ★Texas Ratio: 3.34%Real return: +1.20%APY minus 2.8% CPI (February 2026) Business Money Market at 4.00% APY. Money market rates as of September 15, 2026 according to verified data from MonitorBankRates.
Oak Creek has 4 local institutions in our database, with money market rates as high as 3.50% APY from WaterStone Bank at 6560 S 27th St, Oak Creek, WI 53154. 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 Oak Creek, Wisconsin and surrounding area. Last Updated and Verified: September 15, 2026
Compare the Best Money Market Rates Today in Oak Creek, Wisconsin & the Surrounding Area
What's Next for your Money -Give it room to Grow! Earn 3.50% Fixed Intro Rate for 6 months with a new Ultimate Money Market account. Grow your savings while keeping your money within reach. Offer valid for new money only.
Balance: $25,000.00 to $2,000,000.99; With Huntington Perks Checking**
Balance: $25,000.00 to $2,000,000.99; Non-Relationship Rate
Rates are effective as of 09/01/2026. Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. Rates may change after the account has been opened.
Rates based on zip code. Variable rate. 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. Offer is limited to one per household. Not valid with any other offer. New Money required.
Rates are effective as of 09/01/2026. Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. Rates may change after the account has been opened.
Rates are effective as of 09/01/2026. Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. Rates may change after the account has been opened.
Rates are effective as of 09/01/2026. Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. Rates may change after the account has been opened.
Rates are effective as of 09/01/2026. Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. Rates may change after the account has been opened.
Balances $2,000,001.00 and above. Variable rate. 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. Offer is limited to one per household. Not valid with any other offer.
Balance: $2,000,001.00 to $99,999,999,999.99; Non-Relationship Rate
IRA minimum deposit: $25. APY = Annual Percentage Yield. Rates will not change until the next tier is reached (ex. balance of $2,500 to $9,999 will have a rate of 0.08% APY). 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. APY = Annual Percentage Yield. Rates will not change until the next tier is reached (ex. balance of $2,500 to $9,999 will have a rate of 0.08% APY). 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. APY = Annual Percentage Yield. Rates will not change until the next tier is reached (ex. balance of $2,500 to $9,999 will have a rate of 0.08% APY). 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. APY = Annual Percentage Yield. Rates will not change until the next tier is reached (ex. balance of $2,500 to $9,999 will have a rate of 0.08% APY). 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.
Balances below $25,000.00. Variable rate. 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. Offer is limited to one per household. Not valid with any other offer.
Qualifications Required; Qualifying balance up to $1,000,000.00
Qualifications Required; Qualifying balance up to $1,000,000.00
Qualifications Required; Qualifying balance up to $1,000,000.00
Qualifications Required; Qualifying balance up to $1,000,000.00
$15,000+; Intro rate APY
$15,000+; Intro rate
Federal Funds Effective Rate minus 0.25%
Minimum balance required for Premium Money Market Savings to earn stated rate is $20,000. APY is accurate as of specified date. Rate may change after account is opened.
$2,500.00 minimum balance to open and maintain to avoid a maintenance fee
Balance: $100,000 - $249,999.99; Federal Funds Effective Rate minus 0.50%
Tier 5
Balance: $4,000,000.00 or more
Fees could reduce earnings.
Average Daily Balances of: $1,000,000.00+
Balance: $1,000,000.00 or More; minimum balance to open and maintain to avoid minimum balance fees.
Federal Funds Effective Rate minus 1.00%
Fees could reduce earnings.
($250,000.00 or more)
Introductory Rate Tiers
Balance Required
Balance Tier: $5,000,000+
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.
Oak Creek, WI Money Market Rate Trends
Compare local Oak Creek, 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 currently average 3.037% APY.
Wisconsin standard MMA rates rose 0.003 points over the past 7 days to 0.753% APY.
Oak Creek, 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 3.037% 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 60–90 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 Oak Creek, Wisconsin.
Money Market Account Earnings in Oak Creek, 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 (3.037% APY) | Monthly Earnings | Standard MMA (0.753% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $303.65 / year | $25.30 | $75.27 / year | $6.27 |
| $25,000 | $759.13 / year | $63.26 | $188.18 / year | $15.68 |
| $50,000 | $1,518.25 / year | $126.52 | $376.35 / year | $31.36 |
| $100,000 | $3,036.50 / year | $253.04 | $752.70 / year | $62.73 |
| 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: Oak Creek, Wisconsin money market rate averages as of September 16, 2026. | ||||
About Our Oak Creek, Wisconsin Money Market Rate Database
MonitorBankRates found 4 institutions with branches in Oak Creek (2 banks, 2 credit unions), plus 44 additional state-chartered and national online institutions available to Oak Creek 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: WaterStone Bank offers a money market account at 3.50% APY. Use the rate table above to compare all current offers in Oak Creek, Wisconsin.
How to Find the Best Money Market Rates in Oak Creek, Wisconsin
What to compare when shopping for a money market account in Oak Creek, Wisconsin
To find the best money market APYs in Oak Creek, Wisconsin, start with credit unions and online-only banks: Oak Creek, 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–$25,000, with lower rates (or monthly fees) below that threshold. The current WI high-yield money market average is 3.037% 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. Oak Creek, Wisconsin high-yield money market rates currently average 3.037% 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 Oak Creek, Wisconsin institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 48 institutions in Oak Creek, 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 → Oak Creek, Wisconsin CD rates
- You don’t need check writing and want a lower minimum → Oak Creek, Wisconsin savings rates
- You need daily transaction access → Oak Creek, Wisconsin checking rates
Oak Creek, Wisconsin Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
15.1% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 1.3% reflects a strong local economy with solid savings capacity. At today’s WI high-yield money market average of 3.037%, saving 10% of the local median salary ($5,722/year) would earn an additional $174 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Oak Creek, Wisconsin Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Oak Creek, Wisconsin.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current WI Avg APY | 3.037% | View Savings Rates | 0.753%(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 | 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 Oak Creek, Wisconsin averages tracked in our database as of September 16, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Oak Creek, 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 Oak Creek, 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 Oak Creek, Wisconsin
At WI’s top money market rate of 3.50% from WaterStone 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 Oak Creek, Wisconsin earner is roughly $14,300. At 3.037% APY in a money market account, saving $1,190/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 3.037% 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 Oak Creek, Wisconsin earner makes $57,223/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.037% APY.
Retirement PlannerA $25,000 money market balance earning 3.037% APY grows to roughly $45,474 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 Oak Creek, 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 Oak Creek, 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 Oak Creek, 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 Oak Creek, Wisconsin
What is a Money Market Account (MMA)?
Are Money Market accounts in Oak Creek, Wisconsin safe?
How often do MMA rates change in Oak Creek, Wisconsin?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Oak Creek, 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 Oak Creek, Wisconsin for money market accounts?
Best Money Market Rates in Oak Creek, Wisconsin
- WaterStone Bank
Ultimate Money Market account: 3.50% APY - The Huntington National Bank
Relationship Money Market Account: 3.35% APY - University of Wisconsin Credit Union
Investor's Indexed Money Market Account: 3.16% APY - Educators Credit Union
Premium Money Market: 2.81% APY - Bristol Morgan Bank
Business Money Market: 4.00% APY
Oak Creek, Wisconsin Rates & Resources
