Racine, Wisconsin money market account rates range from 0.01% to 4.00% APY, verified by MonitorBankRates as of October 31, 2026. Current Racine, Wisconsin and the surrounding area money market deposit account rates include The Huntington National BankThe Huntington National Bank3935 Douglas Ave, Racine, WI 53402A+5.0 ★Texas Ratio: 3.66%Real return: +0.15%APY minus 3.7% CPIRate verified Oct 31, 2026 Relationship Money Market Account - With Huntington Perks Checking at 3.85% APY, Landmark Credit Union WILandmark Credit Union WI3413 Rapids Dr, Racine, WI 53404A+5.0 ★Texas Ratio: 3.05%Real return: +0.05%APY minus 3.7% CPIRate verified Oct 31, 2026 Signature Money Market at 3.75% APY, Johnson BankJohnson Bank555 Main St, Racine, WI 53403A+5.0 ★Texas Ratio: 1.47%Real return: -0.20%APY minus 3.7% CPIRate verified Oct 31, 2026 Money Market Locked For 9-Months at 3.50% APY, US BankUS Bank4701 Washington Ave, Racine, WI 53406A+5.0 ★Texas Ratio: 2.85%Real return: -0.30%APY minus 3.7% CPIRate verified Oct 31, 2026 Elite Money Market Account at 3.40% APY, and Tri City National BankTri City National Bank2704 Lathrop Ave, Racine, WI 53405A+5.0 ★Texas Ratio: 4.17%Real return: -0.45%APY minus 3.7% CPIRate verified Oct 31, 2026 Money Market+ at 3.25% APY. Money market rates as of October 31, 2026 according to verified data from MonitorBankRates.
Racine has 8 local institutions in our database, with money market rates as high as 3.85% APY from The Huntington National Bank at 3935 Douglas Ave, Racine, WI 53402. 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 Racine, Wisconsin and surrounding area. Last Updated and Verified: October 31, 2026
Balance: $25,000.00 to $2,000,000.99; Requires open Huntington Perks Checking account; Minimum balance to earn interest is $25,000.00 and must be new money to Huntington; Rate effective Oct 30, 2026; Rate based on 43215 ZIP code
Balance: $25,000.00 to $2,000,000.99; Requires open Huntington Platinum Perks Checking account; Minimum balance to earn interest is $25,000.00 and must be new money to Huntington; Rate effective Oct 30, 2026; Rate based on 43215 ZIP code
Balance: $1,000,000 or more; Balance (Regular or IRA)
Promotional rate for a 9-month term; requires $25,000 or more in new money and a checking account; Deposit Rate Special effective August 24, 2026 thru October 30, 2026
Balance: $25,000 to $49,999.99; New U.S. Bank Elite Money Market clients only; requires deposit of at least $25,000 within 30 days of opening and daily balance of at least $25,000 maintained
Balance: $2,000,000 +
Balance: $250,000-499,999.99
Balance: $500,000 - $999,999.99; Balance (Regular or IRA)
Balance: $250,000 tier; Regular and IRA accounts; Account balance cannot drop below $10,000
Balance: $50,000 - $74,999.99; Balance (Regular or IRA)
Balance: $1,000,000 - $1,999,999.99
Balance: $100,000 tier; Regular and IRA accounts; Account balance cannot drop below $10,000
Balance: $100,000-249,999.99
Balance: $25,000.00 - $2,000,000.99; APY range 2.70%-3.75% and rate range 2.67%-3.69% based on zip code; variable rate, subject to change; minimum $25,000 new money not currently deposited at Huntington; Relationship Money Market Account; $25 monthly fee if balance below $25,000 and no Perks Checking or Platinum Perks Checking
Balance: $75,000 tier; Regular and IRA accounts; Account balance cannot drop below $10,000
Balance: $50,000 tier; Regular and IRA accounts; Account balance cannot drop below $10,000
Balance: $500,000 - $999,999.99
Balance: $250,000 - $499,999.99
Balance: $1,000,000.00 and over; Interest Payment Frequency: Monthly; Compounding Method: Simple
Balance: $500,000.00 - $999,999.99; Interest Payment Frequency: Monthly; Compounding Method: Simple
Balance: $25,000-99,999.99
Balance: $250,000.00 - $499,999.99; Interest Payment Frequency: Monthly; Compounding Method: Simple
Balance: $100,000+
Balance: $100,000.00 - $249,999.99; Interest Payment Frequency: Monthly; Compounding Method: Simple
Balance: Below $250,000
Balance: $0-24,999.99
Balance: $10,000 tier; Regular and IRA accounts; Account balance cannot drop below $10,000
Balance: $250,000.00 and over; Interest Payment Frequency: Monthly; Compounding Method: Simple
Balance: $10,000 or more
Balance: $100,000.00 - $249,999.99; Interest Payment Frequency: Monthly; Compounding Method: Simple
Balance: $50,000 to $99,999.99
Balance: $25,000.00 - $99,999.99; Interest Payment Frequency: Monthly; Compounding Method: Simple
Balance: $25,000.00 - $99,999.99; Interest Payment Frequency: Monthly; Compounding Method: Simple
Balance: $10,000 to $49,999.99
Balance: $2,400 or more
Balance: $1,500 to $9,999.99
Balance: $10,000.00 - $24,999.99; Interest Payment Frequency: Monthly; Compounding Method: Simple
Balance: $2,000,001.00 and over; earns 0.25% APY
Balance: $2,000,001.00 to $99,999,999,999.99; Non-Relationship Rate; Rate effective Oct 30, 2026; Rate based on 43215 ZIP code
Minimum daily balance to obtain APY: $0.00
Balance: $1,000.00 - $9,999.99; Interest Payment Frequency: Monthly; Compounding Method: Simple
Balance: Minimum $50,000; Regular account minimum deposit $1,000; IRA minimum deposit $25
Balance: All balances
Balance: Minimum $25,000; Regular account minimum deposit $1,000; IRA minimum deposit $25
Balance: Minimum $10,000; Regular account minimum deposit $1,000; IRA minimum deposit $25
Balance: Below $10,000
Balance: $2,500 - $49,999.99; Balance (Regular or IRA)
Balance: Below $2,400
Balance: Minimum $2,500; Regular account minimum deposit $1,000; IRA minimum deposit $25
Balance: <$2,500; Regular account minimum deposit $1,000; IRA minimum deposit $25; $10 monthly fee on daily balances below $1,000
Balance: $25,000.00 to $99,999.99; Standard Pricing; Zip-based rate (43215)
Balance: Up to $24,999.99; Interest Payment Frequency: Monthly; Compounding Method: Simple
Balance: $0 to $9,999.99; Standard interest rate tier
Balance: Up to $999.99; Interest Payment Frequency: Monthly; Compounding Method: Simple
Balance: Below $1,500.00
Balance: $0.01 to $24,999.99; Requires open Huntington Perks Checking account; Rate effective Oct 30, 2026; Rate based on 43215 ZIP code
Balance: $0.01 to $24,999.99; Requires open Huntington Platinum Perks Checking account; Rate effective Oct 30, 2026; Rate based on 43215 ZIP code
Balance: If account falls below $2,500; Balance (Regular or IRA)
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 and over; Dividend Period: Monthly; Checking Writing Available: Yes; Introductory rate expires after April 30, 2027, then converts to Premium Money Market; $100,000 minimum new money required
Balance: $1,000,000+; $50,000 minimum deposit and $5,000+ earn dividends
Active checking defined as 4 or more transactions per month; IRA Money Market (Traditional and Roth)
Balance: $2,000,000 minimum; Active checking defined as 4 or more transactions per month; Balances falling below $75,000 earn 0.30%
Active checking defined as 4 or more transactions per month; IRA Money Market (Traditional and Roth)
Balance: $750,000 minimum; Active checking defined as 4 or more transactions per month; Balances falling below $75,000 earn 0.30%
Balance: $1,000,000+; Compounds Monthly
Balance: $250,000.00 and Over
Balance: $50,000 or more; $50,000 minimum balance to open; $10,000 new money
Balance: $750,000-$999,999.99; Compounds Monthly
If qualifications are met; Balance: $1,000,000+
Balance: $50,000.00 - $99,999.99; Dividend Period: Monthly; Checking Writing Available: Yes; Introductory rate expires after April 30, 2027, then converts to Premium Money Market; $50,000 minimum new money required
Balance: $250,000 or more; Federal Funds Effective Rate minus 0.25%
Active checking defined as 4 or more transactions per month; IRA Money Market (Traditional and Roth)
Balance: $500,000 minimum; Active checking defined as 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: $5,000,000+
Balance: $1,000,000 and more; Minimum to open: $25 (Money Market Plus) / $2,500 (Business Money Market Plus); Rate is variable
Active checking defined as 4 or more transactions per month; IRA Money Market (Traditional and Roth)
Balance: $300,000 minimum; Active checking defined as 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
If qualifications are met; Balance: $500,000-$999,999.99
Balance tier from $1,000,000; with checking
Balance: $10,000.00 - $49,999.99; Dividend Period: Monthly; Checking Writing Available: Yes; Introductory rate expires after April 30, 2027, then converts to Premium Money Market; $10,000 minimum new money required
Balance: $15,000+; Intro rate
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: $100,000 - $249,999.99; Federal Funds Effective Rate minus 0.50%
Balance: $1,000,000 and over; Minimum balance required to earn stated rate is $20,000; Rate may change after account is opened
Balance: $250,000-$499,999.99; Compounds Monthly
Qualifications Required; Balance: $500,000 and over; Rate = dividend rate
Compare local Racine, 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 0.001 points over the past 7 days to 2.954% APY.
Wisconsin standard MMA rates currently average 0.748% APY.
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 2.954% 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 Racine, 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 (2.954% APY) | Monthly Earnings | Standard MMA (0.748% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $295.43 / year | $24.62 | $74.83 / year | $6.24 |
| $25,000 | $738.58 / year | $61.55 | $187.08 / year | $15.59 |
| $50,000 | $1,477.15 / year | $123.10 | $374.15 / year | $31.18 |
| $100,000 | $2,954.30 / year | $246.19 | $748.30 / year | $62.36 |
| 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: Racine, Wisconsin money market rate averages as of October 31, 2026. | ||||
MonitorBankRates found 8 institutions with branches in Racine (6 banks, 2 credit unions), plus 43 additional state-chartered and national online institutions available to Racine 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: The Huntington National Bank offers a money market account at 3.85% APY. Use the rate table above to compare all current offers in Racine, Wisconsin.
What to compare when shopping for a money market account in Racine, Wisconsin
To find the best money market APYs in Racine, Wisconsin, start with credit unions and online-only banks: Racine, Wisconsin has 26 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 2.954% but top local institutions are offering as high as 3.85%, 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.
Local demographics and economic context for savers . Source: U.S. Census Bureau
13.9% of residents are 65 or older, below the national average of 17.3%. At today’s WI high-yield money market average of 2.954%, saving 10% of the local median salary ($3,660/year) would earn an additional $108 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
How money market deposit accounts compare to other deposit products available at banks and credit unions in Racine, Wisconsin.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current WI Avg APY | 2.954% | 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 Racine, Wisconsin averages tracked in our database as of October 31, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
See how much a money market account can earn you. Enter your deposit, monthly contribution, and time frame, or click any current Racine, 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.
At WI’s top money market rate of 3.85% from The Huntington National Bank, a $10,000 deposit earns $385 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Racine, Wisconsin earner is roughly $9,200. At 2.954% 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 2.954% 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 Racine, Wisconsin earner makes $36,608/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 2.954% APY.
Retirement PlannerA $25,000 money market balance earning 2.954% APY grows to roughly $44,754 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Racine, 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 Racine, 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 Racine, 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.