Best Money Market Rates in Sheboygan, Wisconsin - August 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Sheboygan, Wisconsin and the surrounding area money market deposit account rates include UnitedOne Credit UnionUnitedOne Credit Union2122 Superior Ave, Sheboygan, WI 53081 2246A+5.0 ★Texas Ratio: 0.67%Real return: -0.05%APY minus 2.8% CPI (February 2026) AchieveOne Money Market at 2.75% APY, Marine Credit UnionMarine Credit Union730 N 9th St, Sheboygan, WI 53081A-4.9 ★Texas Ratio: 15.06%Real return: -0.35%APY minus 2.8% CPI (February 2026) Money Market Special at 2.45% APY, Sheboygan Area Credit UnionSheboygan Area Credit Union1707 Indiana Ave, Sheboygan, WI 53081A+5.0 ★Texas Ratio: 1.64%Real return: -0.53%APY minus 2.8% CPI (February 2026) Premium Money Market at 2.27% APY, Kohler Credit UnionKohler Credit Union831 S Taylor Dr, Sheboygan, WI 53081 4770A+5.0 ★Texas Ratio: 4.31%Real return: -0.68%APY minus 2.8% CPI (February 2026) Premium Money Market at 2.12% APY, and Bank First, NABank First, NA2600 Kohler Memorial Dr, Sheboygan, WI 53081A+5.0 ★Texas Ratio: 0.91%Real return: -0.88%APY minus 2.8% CPI (February 2026) Money Market Elite at 1.92% APY. Money market rates as of August 28, 2026 according to verified data from MonitorBankRates.
Sheboygan has 5 local institutions in our database, with money market rates as high as 2.75% APY from UnitedOne Credit Union at 2122 Superior Ave, Sheboygan, WI 53081 2246. Use the table below to compare all available offers, including options from institutions serving the broader Wisconsin area. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Sheboygan, Wisconsin and surrounding area. Last Updated and Verified: August 28, 2026
Compare the Best Money Market Rates Today in Sheboygan, Wisconsin & the Surrounding Area
Promotional rate effective for 10 months from opening date of new Money Market account. Rate may change after account is opened. Please see your Truth in Savings schedule for rate information after the 10-month introductory period.
Promotional rate effective for 10 months from opening date of new Money Market account. Rate may change after account is opened. Please see your Truth in Savings schedule for rate information after the 10-month introductory period. Fees could reduce the earnings on the account for maintenance and activity fees.
$250,001 and over
$100,000.00 & Over
$50,000.00 to $99,999.99
$100,001-$250,000
$100,000.00 & Over
$10,000.00 to $49,999.99
$50,001-$100,000
$50,000.00 to $99,999.99
$10,001-$50,000
$10,000.00 to $49,999.99
$2,000-$10,000
$25,000.00 & Over
$25,000.00 & Over
$10,000.00 to $24,999.99
$9,999.99 & Under
$10,000.00 to $24,999.99
$2,499.99 & Under
$2,499.99 & Under
$9,999.99 & Under
New money required. Must have a checking account. Promotional rate for 9-month term. At conclusion of term, account may convert to standard tiered variable rate.
Federal Funds Effective Rate minus 0.25%
With Huntington Perks Checking**
With Huntington Platinum Perks Checking***
With Private Client Account****
$2,500.00 minimum balance to open and maintain to avoid a maintenance fee
Non-Relationship Rate
Federal Funds Effective Rate minus 0.50%
Tier 5
Variable
Limited-Time Offer. Introductory APY applies for the first 12 months, after which the APY will adjust to the current market rates. Offer applied to new money only; funds must not currently be on deposit with WaterStone Bank. Fees may apply and could reduce earnings. Account must be open and active for 180 calendar days, or a $30 closing fee may be assessed at account closing.
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.
Sheboygan, WI Money Market Rate Trends
Compare local Sheboygan, 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 rose 0.079 points over the past 7 days to 3.046% APY.
Wisconsin standard MMA rates fell 0.025 points over the past 7 days to 0.745% APY.
Sheboygan, 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 3.046% 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: 1–2 Federal Reserve rate cuts of 25 basis points each over the next 12 months, based on current CME FedWatch consensus; money market institutions typically pass through 70–90% of rate cuts to deposit rates within 60–90 days. High-yield online money market rates tend to adjust faster than standard branch-based MMA rates, and jumbo-tier rates often adjust first.
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 Sheboygan, Wisconsin.
Money Market Account Earnings in Sheboygan, 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 (3.046% APY) | Monthly Earnings | Standard MMA (0.745% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $304.63 / year | $25.39 | $74.51 / year | $6.21 |
| $25,000 | $761.58 / year | $63.47 | $186.28 / year | $15.52 |
| $50,000 | $1,523.15 / year | $126.93 | $372.55 / year | $31.05 |
| $100,000 | $3,046.30 / year | $253.86 | $745.10 / year | $62.09 |
| 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: Sheboygan, Wisconsin money market rate averages as of August 30, 2026. | ||||
About Our Sheboygan, Wisconsin Money Market Rate Database
MonitorBankRates found 5 institutions with branches in Sheboygan (1 bank, 4 credit unions), plus 39 additional state-chartered and national online institutions available to Sheboygan 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: UnitedOne Credit Union offers a money market account at 2.75% APY. Use the rate table above to compare all current offers in Sheboygan, Wisconsin.
How to Find the Best Money Market Rates in Sheboygan, Wisconsin
What to compare when shopping for a money market account in Sheboygan, Wisconsin
To find the best money market APYs in Sheboygan, Wisconsin, start with credit unions and online-only banks — Sheboygan, 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 3.046% — 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.
When a Money Market Account Makes Sense
- Emergency fund with flexibility: You get savings-level yields plus limited check-writing and debit access. Sheboygan, Wisconsin high-yield money market rates currently average 3.046% 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 Sheboygan, Wisconsin institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally — 44 institutions in Sheboygan, 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 → Sheboygan, Wisconsin CD rates
- You don’t need check writing and want a lower minimum → Sheboygan, Wisconsin savings rates
- You need daily transaction access → Sheboygan, Wisconsin checking rates
Sheboygan, Wisconsin Financial Snapshot
Local demographics and economic context for savers — Source: U.S. Census Bureau
15.4% of residents are 65 or older — below the national average of 17.3%; a low unemployment rate of 2.7% reflects a strong local economy with solid savings capacity. At today’s WI high-yield money market average of 3.046%, saving 10% of the local median salary ($4,113/year) would earn an additional $125 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Sheboygan, Wisconsin Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Sheboygan, Wisconsin.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current WI Avg APY | 3.046% | View Savings Rates | 0.745%(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 | Rate may fall with Fed cuts | Rate may fall with Fed cuts | Rate may fall with Fed cuts | 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 Sheboygan, Wisconsin averages tracked in our database as of August 30, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Sheboygan, 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 Sheboygan, 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 Sheboygan, Wisconsin
At WI’s top money market rate of 2.75% from UnitedOne Credit Union, a $10,000 deposit earns $275 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Sheboygan, Wisconsin earner is roughly $10,300. At 3.046% APY in a money market account, saving $860/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 3.046% 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 Sheboygan, Wisconsin earner makes $41,134/year. Track your income vs. expenses to find your monthly surplus — then put it to work at 3.046% APY.
Retirement PlannerA $25,000 money market balance earning 3.046% APY grows to roughly $45,560 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 Sheboygan, 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 Sheboygan, 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 Sheboygan, 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 Sheboygan, Wisconsin
What is a Money Market Account (MMA)?
Are Money Market accounts in Sheboygan, Wisconsin safe?
How often do MMA rates change in Sheboygan, Wisconsin?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Sheboygan, 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 Sheboygan, Wisconsin for money market accounts?
Best Money Market Rates in Sheboygan, Wisconsin
- UnitedOne Credit Union
AchieveOne Money Market — 2.75% APY - Marine Credit Union
Money Market Special — 2.45% APY - Sheboygan Area Credit Union
Premium Money Market — 2.27% APY - Kohler Credit Union
Premium Money Market — 2.12% APY - Bank First, NA
Money Market Elite — 1.92% APY
Sheboygan, Wisconsin Rates & Resources
