Emerald, Wisconsin Savings Rates - October 2026
Brian McKay
Brian McKay
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Emerald, Wisconsin savings account rates range from 2.40% to 10.00% APY, verified by MonitorBankRates as of October 14, 2026. The best savings rates for Emerald, Wisconsin and the surrounding area include Avestar Credit UnionAvestar Credit UnionA5.0 ★Texas Ratio: 8.52%Real return: +7.20%APY minus 2.8% CPI (February 2026) Round Up Savings Account at 10.00% APY, PCM Credit UnionPCM Credit UnionA+5.0 ★Texas Ratio: 4.06%Real return: +4.70%APY minus 2.8% CPI (February 2026) Reward Savings at 7.50% APY, Simplicity Credit UnionSimplicity Credit UnionA5.0 ★Texas Ratio: 9.92%Real return: +4.39%APY minus 2.8% CPI (February 2026) Youth and Young Adult Savings at 7.19% APY, River BankRiver BankA+5.0 ★Texas Ratio: 1.10%Real return: +3.20%APY minus 2.8% CPI (February 2026) Youth Savings Account at 6.00% APY, and Mayo Employees Federal Credit UnionMayo Employees Federal Credit UnionA+5.0 ★Texas Ratio: 0.16%Real return: +2.70%APY minus 2.8% CPI (February 2026) Teen Savings at 5.50% APY.
Emerald is a smaller community with no bank or credit union branches currently in our database. 75 institutions serving the Wisconsin area are available to Emerald residents, with savings rates as high as 10.00% APY from Avestar Credit Union. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Emerald, Wisconsin and the surrounding area. Last Updated and Verified: October 14, 2026
Compare the Best Savings Rates in Emerald, Wisconsin & Surrounding Communities
Balance: $0.01 to $5,000
Qualifying balance up to $500
Balance: $25.00 - $2,500.00; Dividend Paid: Quarterly
Balance: $0.00 - $5,000.00; Qualifying balance up to $5,000.00; Account owner age 17 and under; Interest compounded and credited quarterly
Balance: $100.00 and over; Additional deposits up to $8,000; Minimum additional deposit $100; Matures on teen's 18th birthday; Withdrawal before maturity incurs penalty of all dividends earned
Term: Until maturity of October 31, 2026; For a limited time; Interest credited at maturity; Maximum deposit of $500 per month; Funds automatically released via direct deposit or check after maturity; Includes digital banking services: Free online banking, Free mobile banking, Free eStatements; Only one personal account per tax identification number.
Qualifications Required; Balance: $0 - $5,000.00; Qualifying balance up to $5,000.00 earns 5.12% APY; balances above $5,000.00 earn 0.05% interest rate and 0.05% APY; if qualifications are not met, rate and APY are 0.05%
Balance: $0 - $1,000; Qualifying balance up to $1,000.00; Dividends Paid: Monthly
If your daily balance is $500 or less - 5.00% Annual Percentage Yield (APY).No; For more than one withdrawal per month, you will be charged $1.00 per withdrawal.
- Oct 7, 20265.00%▲ from 2.50%
- Sep 29, 20262.50%first recorded
Balance: $0-500; Tier 1; Compounding: Quarterly
Balance: $0-500; Tier 1; Compounding: Quarterly
Balance: $0-$500; Compounds monthly; Maximum of one SavingsPlus account per membership share; variable rate account
Balance: $100.00 and over; Additional deposits up to $5,000; Minimum additional deposit $100; Matures on child's 13th birthday; Withdrawal before maturity incurs penalty of all dividends earned
Earns current Minor Savings APY on balances up to $10,000.00; a portion of balance over $10,000.00 earns current APY of a regular savings account; for children 17 years old or younger; one minor account per child; interest compounded monthly
Balance: $0.00 - $999.99; Balances below $1,000; $1 fee charged for each withdrawal in excess of six per month; Standard NSF and overdraft fees apply
Promotional APY for first 180 days on balances greater than or equal to $10,000; balances at or below $9,999.99 earn the non-promotional rate; new personal savings clients only; Personal accounts only
- Oct 14, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Balance: $200,000.00+
Balance: $0.00 - $100,000.00; Rate applies if qualifications are met
Monthly fee: Free
- Oct 13, 20263.79%▲ from 3.75%
- Oct 5, 20263.75%▼ from 3.79%
- Oct 2, 20263.79%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Balance: >= $5,000
- Oct 14, 20263.75%▲ from 0.25%
- Sep 24, 20260.25%first recorded
Balance: $0 - $15,000; Qualifying balance up to $15,000.00; Dividends Paid: Monthly
- Oct 5, 20263.66%▲ from 3.56%
- Sep 18, 20263.56%first recorded
Balance: $100,000-$250,000; Featured rate
- Oct 5, 20263.60%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Balance: $1,000,000+
Balance: $5,000,000+
Balance: $5,000,000+
Earn up to 3.50% APY when you are an account owner of a U.S. Bank Smartly Checking, Safe Debit account, or U.S. Bank Smartly Visa Signature Card and a Combined Qualifying Balance (CQB) of at least $25,000; APYs may vary by location and are accurate for accounts opened on today's date; Monthly maintenance fee $5, waivable; Restrictions apply
Balance: $500,000+
Balance: $1,000,000+; Minimum balance $20,000 to earn stated rate; Rate may change after account is opened
- Oct 13, 20263.40%▲ from 1.85%
- Sep 14, 20261.85%first recorded
Balance: $250,000.00 - $499,999.99
Balance: >$100,000.00; Premier Account Rates - Personal Accounts Only; Must open a Premier Checking and maintain a minimum average balance of $5,000.00 to receive this rate; Dividends compounded: Monthly
Balance: $25,000 or more; Rates for New Savings Customers; Earn 3.25% APY as a new Wells Fargo savings customer; California Bay Area counties branches only
- Oct 14, 20263.25%▲ from 0.05%
- Oct 7, 20260.05%▲ from 0.01%
- Sep 14, 20260.01%first recorded
Balance: $5,000.00 to $2,000,000.99; Disclosure Link 2 of 3; Requires open Huntington Perks Checking account; New money required
Balance: $5,000.00 to $2,000,000.99; Disclosure Link 2 of 3; Requires open Huntington Platinum Perks Checking account; New money required
Balance: $5 - $1,000; Dividends and APY accurate as of the last dividend declaration date; $5 penalty per withdrawal (waived if funds transferred to IRA); not a retirement account
Balance: $500,000+; includes ROTH, Traditional IRA, and CESA Share
Balance: $200,000 - $499,999
Balance: $75,000.00 - $100,000.00; Premier Account Rates - Personal Accounts Only; Must open a Premier Checking and maintain a minimum average balance of $5,000.00 to receive this rate; Dividends compounded: Monthly
Balance: $1,000,000 - $4,999,999.99
Balance: $1,000,000 - $4,999,999.99
Balance: $50,000.00 -$75,000.00; Premier Account Rates - Personal Accounts Only; Must open a Premier Checking and maintain a minimum average balance of $5,000.00 to receive this rate; Dividends compounded: Monthly
Dividends Paid: Monthly
- Oct 5, 20263.16%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Balance: $25,000.00 -$50,000.00; Premier Account Rates - Personal Accounts Only; Must open a Premier Checking and maintain a minimum average balance of $5,000.00 to receive this rate; Dividends compounded: Monthly
Balance: $750,000 - $999,999.99; Minimum balance $20,000 to earn stated rate; Rate may change after account is opened
- Oct 13, 20263.05%▲ from 1.85%
- Sep 14, 20261.85%first recorded
Balance: $250,000.00 and over; $1000 to open/HSA Money Market Savings (no minimum)
Balance: up to $1,000.00; Minimum Daily Balance to Avoid Fee: $0; Balances over $1,000.00 earn the regular share rate (0.10% APY/0.10% dividend rate); offer does not apply to checking accounts
Balance: up to $1,000.00; Minimum Daily Balance to Avoid Fee: $0; Balances over $1,000.00 earn the regular share rate (0.10% APY/0.10% dividend rate); offer does not apply to checking accounts
Dividends compounded: Monthly; Minimum amount to receive dividends: Not Applicable
Balance: <$25,000.00; Premier Account Rates - Personal Accounts Only; Must open a Premier Checking and maintain a minimum average balance of $5,000.00 to receive this rate; Dividends compounded: Monthly
Balance: $150,000.00 - $249,999.99
Balance: $15,000.00+
Balance: Below $5,000.01
Balance: $0 - $2,000.00
Balance: $25,000 and higher; Rate may change after the account is opened. Fees may reduce earnings
- Oct 3, 20263.00%▲ from 2.55%
- Sep 27, 20262.55%first recorded
Balance: $100,000-249,999.99
Balance: $200,000 - $499,999; includes ROTH, Traditional IRA, and CESA Share
Balance: $0.01-$40,000; Requires Connect Plus Checking to open Connect Savings; Dividends compounded monthly
Balance: $0.01 - $40,000; Qualifying balance up to $40,000; Must have a Teen Checking to open Teen Savings; Refer to Teen Checking qualifications; For individual accounts only; Dividends compounded monthly; Rates as of 10/01/2026
Balance: $500,000 - $749,999.99; Minimum balance $20,000 to earn stated rate; Rate may change after account is opened
- Oct 13, 20262.90%▲ from 1.85%
- Sep 14, 20261.85%first recorded
Balance: $10,000 and above
Balance: $500,000 - $999,999.99
Balance: $100,000.00 - $249,999.99; $1000 to open/HSA Money Market Savings (no minimum)
Balance: $50,000.00 and Over
Balance: $100,000 - $199,999
Balance: $250,000+; Dividend frequency: Monthly
Balance: $15,000-$24,999.99; Rate may change after the account is opened. Fees may reduce earnings
- Oct 3, 20262.55%▲ from 2.25%
- Sep 27, 20262.25%first recorded
Balance: $50,000.00 and Over
Balance: $100,000; Tier 2; Compounding: Quarterly
Balance: $100,000; Tier 2; Compounding: Quarterly
Balance: $50,000.00 - $149,999.99
For more than one withdrawal per month, you will be charged $1.00 per withdrawal.
Published APY range: 2.40%-4.00%; Published rate range: 2.38%-3.94%. Balance: $5,000.00 - $2,000,000.99; Rates based on zip code; Huntington Relationship Savings Account; variable rate after opening a Huntington Relationship Savings Account when you maintain deposits of $5,000.00 - $2,000,000.99; Initial minimum opening deposit must be New Money; Balances $2,000,001.00 and above earn 0.01% APY; Balances below $5,000.00 earn 0.01% APY; Balances below $2,500 may be subject to a $10.00 monthly maintenance fee
Balance: $25,000+
- Oct 14, 20262.40%▲ from 2.38%
- Sep 27, 20262.38%▼ from 2.40%
- Sep 18, 20262.40%first recorded
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.
Emerald, WI Savings Rate Trends
Compare local Emerald, WI savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Wisconsin high-yield savings rates rose 0.029 points over the past 7 days to 1.624% APY, up from 1.595%.
Wisconsin standard savings rates rose 0.015 points over the past 7 days to 0.305% APY, up from 0.291%.
Emerald, Wisconsin Savings Rate Forecast, Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current WI high-yield average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Savings 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 savings average of 1.624% 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 online savings rates tend to adjust faster than standard branch-based savings rates.
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 Emerald, Wisconsin.
Savings Account Earnings in Emerald, Wisconsin
Annual interest earnings at current WI average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (1.624% APY) | Monthly Earnings | Standard Savings (0.305% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $81.21 / year | $6.77 | $15.26 / year | $1.27 |
| $10,000 | $162.41 / year | $13.53 | $30.52 / year | $2.54 |
| $25,000 | $406.03 / year | $33.84 | $76.30 / year | $6.36 |
| $50,000 | $812.05 / year | $67.67 | $152.60 / year | $12.72 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: Emerald, Wisconsin savings rate averages as of October 14, 2026. | ||||
About Our Emerald, Wisconsin Savings Rate Database
MonitorBankRates tracks savings rate offers from 39 banks and credit unions available to Emerald, Wisconsin residents via statewide and national offers. No branch locations physically in Emerald are currently in our database, but all listed offers are open to Emerald depositors. 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: Avestar Credit Union offers a savings account at 10.00% APY. Use the rate table above to compare all current offers in Emerald, Wisconsin.
How to Find the Best Savings Rates in Emerald, Wisconsin
What to compare when shopping for a savings account in Emerald, Wisconsin
To find the best savings APYs in Emerald, Wisconsin, start with credit unions and online-only banks: Emerald, Wisconsin has 18 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. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current WI high-yield savings average is 1.624% but top local institutions are offering as high as 10.00%, so shopping around pays off.
Unlike a CD, savings account rates are variable. Your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3 to 6 months of expenses in a liquid, FDIC-insured account. Emerald, Wisconsin high-yield savings rates currently average 1.624% APY, far above a typical checking account.
- Short-term savings goals (6 to 24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at Emerald, Wisconsin institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 39 institutions in Emerald, Wisconsin report savings rates to our database.
- You’re among Emerald, Wisconsin’s 18.5% of residents aged 65+ for whom liquid, accessible savings complement fixed-income holdings.
- 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 Emerald, Wisconsin CD rates
- You want check-writing flexibility Emerald, Wisconsin money market rates
- You need daily transaction access Emerald, Wisconsin checking rates
Wisconsin Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau (state-level data shown; city data not available)
18.5% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 3.2% reflects a strong local economy with solid savings capacity. At today’s WI high-yield savings average of 1.624%, saving 10% of the local median salary ($4,666/year) would earn an additional $76 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Emerald, Wisconsin Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Emerald, Wisconsin.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current WI Avg APY | 1.624% | 0.305% | View MMA Rates | 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 | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 to $100 | $25 to $100 | $0 to $2,500 | $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 | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects Emerald, 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.
Savings Calculators for Emerald, Wisconsin
At WI’s top rate of 10.00% from Avestar Credit Union, a $10,000 deposit earns $1,000 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Emerald, Wisconsin earner is roughly $11,700. At 1.624% APY, saving $970/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsWisconsin’s high-yield savings average is 1.624% APY, variable and always accessible. 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 Emerald, Wisconsin earner makes $46,667/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 1.624% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 1.624% APY grows to roughly $34,504 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 Emerald, Wisconsin savings 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 Savings Rate Data: We aggregate savings account rates for Emerald, 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 savings 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 Emerald, Wisconsin. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to large national institutions available to savers in WI.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Emerald, Wisconsin
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Emerald, Wisconsin safe?
How often do savings rates change in Emerald, Wisconsin?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Emerald, Wisconsin?
How do I open a savings account in Emerald, Wisconsin?
Best Savings Rates in Emerald, Wisconsin
- Avestar Credit Union
Round Up Savings Account: 10.00% APY - PCM Credit Union
Reward Savings: 7.50% APY - Simplicity Credit Union
Youth and Young Adult Savings: 7.19% APY - River Bank
Youth Savings Account: 6.00% APY - Mayo Employees Federal Credit Union
Teen Savings: 5.50% APY
Emerald, Wisconsin Rates & Resources
