Francis Creek, Wisconsin Savings Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best savings rates for Francis Creek, Wisconsin and the surrounding area include 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, Capital Credit UnionCapital Credit UnionA+5.0 ★Texas Ratio: 4.89%Real return: +2.20%APY minus 2.8% CPI (February 2026) SavingsPlus at 5.00% APY, Park City Credit UnionPark City Credit UnionA+5.0 ★Texas Ratio: 3.36%Real return: +1.20%APY minus 2.8% CPI (February 2026) Rewards Savings at 4.00% APY, Red Crown Federal Credit UnionRed Crown Federal Credit UnionA+5.0 ★Texas Ratio: 2.57%Real return: +1.20%APY minus 2.8% CPI (February 2026) Surge Savings Account at 4.00% APY, and Flagstar Bank, National AssociationFlagstar Bank, National AssociationD3.1 ★Texas Ratio: 37.37%Real return: +0.95%APY minus 2.8% CPI (February 2026) Flagstar Ready Savings at 3.75% APY.
Francis Creek is a smaller community with no bank or credit union branches currently in our database. 50 institutions serving the Wisconsin area are available to Francis Creek residents, with savings rates as high as 6.00% APY from River Bank. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Francis Creek, Wisconsin and the surrounding area. Last Updated and Verified: September 9, 2026
Compare the Best Savings Rates in Francis Creek, Wisconsin & Surrounding Communities
APY of 6.00% will be paid on the entire balance up to $5,000.00. Earn an interest rate of 0.20% on the portion of the daily balance over the $5,000.00, resulting in a range from 6.00% to 0.20% APY depending on the account's balance. Fees could reduce the earnings on this account. Rates are subject to change at any time without notice. A limit of one Youth Savings Account per account owner (minor). Youth Savings Account limited to owners age 17 and under. Youth Savings Account will automatically convert to Regular Savings Account, upon account owner reaching 18 years of age.
Qualifying balance up to $500.00
Qualifications Required; Qualifying balance up to $100,000.00
Promotional Rate. Balances at or below $9,999.99 do not qualify for this promotional rate and are subject to the current non-promotional interest rate applicable to this account type. At the end of the 180-day promotional period, the interest rate and APY will revert to the then-posted non-promotional rate(s) applicable to this account type. The interest rate(s) and annual percentage yield(s) are variable and may change at any time before or after the account is opened. To qualify, you must be a new personal savings client of Flagstar Bank and open a Flagstar Ready Savings account. You must deposit additional funds, to maintain a balance greater than or equal to $10,000 is required and must be "new money," which is defined as money that is not currently on deposit in any Flagstar Bank account; money moved from any Flagstar Bank affiliate or subsidiary account or funded from a Flagstar/affiliate loan or line of credit does not qualify. For purposes of this offer, funds from maturing certificate of deposit accounts held at Flagstar Bank will be considered eligible. The account must remain open for the full 180-day promotional period. This offer is limited to one promotion per household. If any signer on this account has previously received a savings promotion from Flagstar Bank, you are ineligible for this offer. This offer cannot be combined with any other offers or promotions. An early account closure fee may be imposed for accounts closed within 180 days. Offer subject to change or cancellation at any time without notice. Receiving this offer does not guarantee eligibility. All account applications are subject to our normal approval process. Personal accounts only. Area restrictions may apply.
This is a variable rate account and the interest rate and APY can change at any time without notice. The minimum opening deposit is $1,000 but cannot exceed $250,000. As of February 18, 2026, deposits that would bring the total balance in your Account to more than $1,000,000 are not permitted. We reserve the right to refuse or return additional deposits that would cause your balance to exceed this $1,000,000 limit. Business days and effective dates of deposit are defined in the Consumer Deposit Account Agreement. Fees or withdrawals will reduce earnings. Offer is subject to change, and may be withdrawn, at any time without notice. This account is available online only. Withdrawals can be made by: External transfer to an account owned by you at another U.S. financial institution. Transfer limitations apply. External transfers using CIBC US Online Banking will not be available for the first 30 days from the date an Account is opened. Written request for a check to be issued to all holders of the Account. Internal transfer to another account at CIBC (only for existing account holders of CIBCBank USA).
$250,000.00 - $499,999.99
Must open a Premier Checking and maintain a minimum average balance of $5,000.00 to receive this rate
Must open a Premier Checking and maintain a minimum average balance of $5,000.00 to receive this rate
Balance: $1,000,000 - $4,999,999.99
Must open a Premier Checking and maintain a minimum average balance of $5,000.00 to receive this rate
Must open a Premier Checking and maintain a minimum average balance of $5,000.00 to receive this rate
Must open a Premier Checking and maintain a minimum average balance of $5,000.00 to receive this rate
Qualifying balance up to $2,000.00
$150,000.00 - $249,999.99
$5 minimum balance to open
Rate may change after the account is opened. Fees may reduce earnings. Annual Percentage Yield (APY) assumes principal and interest remain on deposit for the term of the certificate. All interest payments for the advertised APY will be made at the end of the term or quarterly, whichever occurs first. A penalty of 91 days of interest on the amount withdrawn may be imposed for CD terms less than one year and for the 18 Month IRA CD. A penalty of 182 days of interest may be imposed for all other CD terms unless specified differently. APY is subject to change without prior notice. CDs are automatically renewed after 10 day grace period past maturity. Please contact the Bank of Cashton at (800) 205-7203 with any questions regarding the above referenced products.
$50,000.00 - $149,999.99
Balance: $500,000 - $999,999.99
Rate may change after the account is opened. Fees may reduce earnings. Annual Percentage Yield (APY) assumes principal and interest remain on deposit for the term of the certificate. All interest payments for the advertised APY will be made at the end of the term or quarterly, whichever occurs first. A penalty of 91 days of interest on the amount withdrawn may be imposed for CD terms less than one year and for the 18 Month IRA CD. A penalty of 182 days of interest may be imposed for all other CD terms unless specified differently. APY is subject to change without prior notice. CDs are automatically renewed after 10 day grace period past maturity. Please contact the Bank of Cashton at (800) 205-7203 with any questions regarding the above referenced products.
Balance: $150,000.00 - $199,999.99
Simple Interest - Paid Monthly
Additional Restrictions May Apply
Rate may change after the account is opened. Fees may reduce earnings. Annual Percentage Yield (APY) assumes principal and interest remain on deposit for the term of the certificate. All interest payments for the advertised APY will be made at the end of the term or quarterly, whichever occurs first. A penalty of 91 days of interest on the amount withdrawn may be imposed for CD terms less than one year and for the 18 Month IRA CD. A penalty of 182 days of interest may be imposed for all other CD terms unless specified differently. APY is subject to change without prior notice. CDs are automatically renewed after 10 day grace period past maturity. Please contact the Bank of Cashton at (800) 205-7203 with any questions regarding the above referenced products.
Balance: $200,000 - $499,999.99
Rate may change after the account is opened. Fees may reduce earnings. Annual Percentage Yield (APY) assumes principal and interest remain on deposit for the term of the certificate. All interest payments for the advertised APY will be made at the end of the term or quarterly, whichever occurs first. A penalty of 91 days of interest on the amount withdrawn may be imposed for CD terms less than one year and for the 18 Month IRA CD. A penalty of 182 days of interest may be imposed for all other CD terms unless specified differently. APY is subject to change without prior notice. CDs are automatically renewed after 10 day grace period past maturity. Please contact the Bank of Cashton at (800) 205-7203 with any questions regarding the above referenced products.
Balance: $100,000.00 - $149,999.99
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.
Francis Creek, WI Savings Rate Trends
Compare local Francis Creek, 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 0.598 points over the past 7 days to 1.980% APY, up from 1.382%.
Wisconsin standard savings rates rose 0.029 points over the past 7 days to 0.814% APY, up from 0.784%.
Francis Creek, 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 2026–2027.
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 1.980% 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 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 Francis Creek, Wisconsin.
Savings Account Earnings in Francis Creek, 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 (1.980% APY) | Monthly Earnings | Standard Savings (0.814% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $98.98 / year | $8.25 | $40.69 / year | $3.39 |
| $10,000 | $197.95 / year | $16.50 | $81.38 / year | $6.78 |
| $25,000 | $494.88 / year | $41.24 | $203.45 / year | $16.95 |
| $50,000 | $989.75 / year | $82.48 | $406.90 / year | $33.91 |
| 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: Francis Creek, Wisconsin savings rate averages as of September 10, 2026. | ||||
About Our Francis Creek, Wisconsin Savings Rate Database
MonitorBankRates tracks savings rate offers from 21 banks and credit unions available to Francis Creek, Wisconsin residents via statewide and national offers. No branch locations physically in Francis Creek are currently in our database, but all listed offers are open to Francis Creek 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 (1–5), 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: River Bank offers a savings account at 6.00% APY with a minimum deposit of $25. Use the rate table above to compare all current offers in Francis Creek, Wisconsin.
How to Find the Best Savings Rates in Francis Creek, Wisconsin
What to compare when shopping for a savings account in Francis Creek, Wisconsin
To find the best savings APYs in Francis Creek, Wisconsin, start with credit unions and online-only banks: Francis Creek, Wisconsin has 6 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 1.980% but top local institutions are offering as high as 6.00%, 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 3–6 months of expenses in a liquid, FDIC-insured account. Francis Creek, Wisconsin high-yield savings rates currently average 1.980% APY, far above a typical checking account.
- Short-term savings goals (6–24 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 Francis Creek, Wisconsin institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 21 institutions in Francis Creek, Wisconsin report savings rates to our database.
- You’re among Francis Creek, 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 → Francis Creek, Wisconsin CD rates
- You want check-writing flexibility → Francis Creek, Wisconsin money market rates
- You need daily transaction access → Francis Creek, 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 1.980%, saving 10% of the local median salary ($4,666/year) would earn an additional $92 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Francis Creek, Wisconsin Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Francis Creek, Wisconsin.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current WI Avg APY | 1.980% | 0.814% | 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 – $100 | $25 – $100 | $0 – $2,500 | $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 | 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 Francis Creek, Wisconsin averages tracked in our database as of September 10, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Francis Creek, Wisconsin
At WI’s top rate of 6.00% from River Bank, a $10,000 deposit earns $600 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Francis Creek, Wisconsin earner is roughly $11,700. At 1.980% 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 1.980% 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 Francis Creek, Wisconsin earner makes $46,667/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 1.980% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 1.980% APY grows to roughly $37,000 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 Francis Creek, 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 Francis 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 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 Francis Creek, 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 Francis Creek, Wisconsin
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Francis Creek, Wisconsin safe?
How often do savings rates change in Francis Creek, 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 Francis Creek, Wisconsin?
How do I open a savings account in Francis Creek, Wisconsin?
Best Savings Rates in Francis Creek, Wisconsin
- River Bank
Youth Savings Account: 6.00% APY - Capital Credit Union
SavingsPlus: 5.00% APY - Park City Credit Union
Rewards Savings: 4.00% APY - Red Crown Federal Credit Union
Surge Savings Account: 4.00% APY - Flagstar Bank, National Association
Flagstar Ready Savings: 3.75% APY
Francis Creek, Wisconsin Rates & Resources
