Brian McKay
Current Randolph, Wisconsin and the surrounding area money market deposit account rates include Horicon BankHoricon Bank170 Kienow Dr, Randolph, WI 53956A5.0 ★Texas Ratio: 7.52%Real return: -0.32%APY minus 2.8% CPI (February 2026) Money Market - Business at 2.48% APY, National Exchange Bank and TrustNational Exchange Bank and Trust103 N High St, Randolph, WI 53956A+5.0 ★Texas Ratio: 1.09%Real return: -0.94%APY minus 2.8% CPI (February 2026) Money Market Account at 1.86% APY, 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, Shoreline Credit UnionShoreline Credit UnionA+5.0 ★Texas Ratio: 3.11%Real return: +1.19%APY minus 2.8% CPI (February 2026) Elite Money Market at 3.99% APY, and Community First Credit UnionCommunity First Credit UnionA+5.0 ★Texas Ratio: 0.85%Real return: +1.15%APY minus 2.8% CPI (February 2026) Member's Choice IRA Money Market (with active checking ) at 3.95% APY. Money market rates as of September 15, 2026 according to verified data from MonitorBankRates.
Randolph has 2 local institutions in our database, with money market rates as high as 2.48% APY from Horicon Bank at 170 Kienow Dr, Randolph, WI 53956. 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 Randolph, Wisconsin and surrounding area. Last Updated and Verified: September 15, 2026
Balance Tier: $5,000,000+
$5,000,000+
Balance Tier: $5,000,000+
Balance Tier: $1,000,000.01 - 5,000,000.00
$1,000,000.01 - 5,000,000.00
Balance Tier: $1,000,000.01 - 5,000,000.00
Balance Tier: $500,000.01 - 1,000,000.00
$500,000.01 - $1,000,000.00
Balance Tier: $500,000.01 - 1,000,000.00
Balance Tier: $250,000.01 - 500,000.00
$250,000.01 - 500,000.00
Balance Tier: $250,000.01 - 500,000.00
Balance Tier: $100,000.01 - 250,000.00
$100,000.01 - 250,000.00
Balance Tier: $100,000.01 - 250,000.00
Balance Tier: $0 - 100,000.00
$0 - 100,000.00
Balance Tier: $0 - 100,000.00
Qualifications Required; Qualifying balance up to $1,000,000.00
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.
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.
Balance: $25,000.00 to $2,000,000.99; With Huntington Perks Checking**
$2,500.00 minimum balance to open and maintain to avoid a maintenance fee
Balance: $25,000.00 to $2,000,000.99; Non-Relationship Rate
Qualifications Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days.; Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days.
Exclusive indexed rate is based on the 3-month US Treasury rate minus a margin of 0.50%. Maximum APY will not exceed 5%.
Balance: $100,000 - $249,999.99; Federal Funds Effective Rate minus 0.50%
Qualifications Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days.; Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days.
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.
Tier 5
Balance: $4,000,000.00 or more
Fees could reduce earnings.
Compare local Randolph, 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.
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 Randolph, 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: Randolph, Wisconsin money market rate averages as of September 16, 2026. | ||||
MonitorBankRates found 2 institutions with branches in Randolph, plus 46 additional state-chartered and national online institutions available to Randolph 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: Horicon Bank offers a money market account at 2.48% APY. Use the rate table above to compare all current offers in Randolph, Wisconsin.
What to compare when shopping for a money market account in Randolph, Wisconsin
To find the best money market APYs in Randolph, Wisconsin, start with credit unions and online-only banks: Randolph, Wisconsin has 24 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% Use the table above to find the best available offer.
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
18.6% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 2.0% 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 ($3,937/year) would earn an additional $120 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 Randolph, 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 Randolph, 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.
See how much a money market account can earn you. Enter your deposit, monthly contribution, and time frame, or click any current Randolph, 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 2.48% from Horicon Bank, a $10,000 deposit earns $248 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Randolph, Wisconsin earner is roughly $9,800. At 3.037% APY in a money market account, saving $820/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 Randolph, Wisconsin earner makes $39,375/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.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Randolph, 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 Randolph, 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 Randolph, 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.