Kenosha, Wisconsin Savings Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Kenosha, Wisconsin savings account rates range from 0.01% to 10.00% APY, verified by MonitorBankRates as of October 23, 2026. The best savings rates for Kenosha, Wisconsin and the surrounding area include US BankUS Bank5621 75th St, Kenosha, WI 53142A+5.0 ★Texas Ratio: 2.85%Real return: -0.20%APY minus 3.7% CPIRate verified Oct 20, 2026 Bank Smartly Savings Account at 3.50% APY, The Huntington National BankThe Huntington National Bank1815 63rd St, Kenosha, WI 53143A+5.0 ★Texas Ratio: 3.66%Real return: -0.45%APY minus 3.7% CPIRate verified Oct 20, 2026 Relationship Savings Account - With Huntington Perks Checking at 3.25% APY, North Shore BankNorth Shore Bank5117 Green Bay Rd, Kenosha, WI 53144A+5.0 ★Texas Ratio: 0.50%Real return: -0.70%APY minus 3.7% CPIRate verified Oct 22, 2026 Premier Health Savings Account at 3.00% APY, TruStone Financial Credit UnionTruStone Financial Credit Union6715 Green Bay Rd, Kenosha, WI 53142 1425A+5.0 ★Texas Ratio: 4.56%Real return: -0.70%APY minus 3.7% CPIRate verified Oct 19, 2026 MoneyWise Primary Share (Youth) at 3.00% APY, and State Bank of the LakesState Bank of the Lakes8700 75th St, Kenosha, WI 53142A+5.0 ★Texas Ratio: 1.38%Real return: -1.70%APY minus 3.7% CPIRate verified Oct 22, 2026 Statement Savings Advanced Special at 2.00% APY.
Kenosha has 58 local institutions in our database, with savings rates as high as 3.50% APY from US Bank at 5621 75th St, Kenosha, WI 53142. 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.
Savings rates reflect recent market quotes and representative offers available to depositors in Kenosha, Wisconsin and the surrounding area. Last Updated and Verified: October 23, 2026
Compare the Best Savings Rates in Kenosha, Wisconsin & Surrounding Communities
Earn up to 3.50% APY when you are an account owner of a Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card and have a Combined Qualifying Balance (CQB) of at least $25,000; APYs may vary by location; Monthly maintenance fee $5, waivable
Balance: $5,000.00 to $2,000,000.99; Requires open Huntington Perks Checking account; Rates effective as of Monday, October 19, 2026
Balance: $5,000.00 to $2,000,000.99; Requires open Huntington Platinum Perks Checking account; Rates effective as of Monday, October 19, 2026
Balance: $100,000-249,999.99
Balance: $5,000.00 - $2,000,000.99; Huntington Relationship Savings Account; APY range 2.40%-4.00% and rate range 2.38%-3.94% based on zip code; variable rate; minimum $5,000 new money to open
Variable rate; with qualifying activities; no minimum to open; $200 daily balance to avoid a $5 monthly maintenance fee; New money only; Minimum daily balance of $0.01 required to obtain APY
Balance: $25,000-99,999.99
Balance: above $25,000 and up to $50,000
Balance: All balances
Balance: up to $25,000
Balance: $0-24,999.99
An HSA has a $25 set-up fee; fees may reduce earnings; minimum is account balance to earn dividends; rates effective as of 10/01/2026
IBEW members in Wisconsin and Michigan only; fees may reduce earnings; minimum is account balance to earn dividends; rates effective as of 10/01/2026
Balance: $25,000.00 and over; Interest Payment Frequency: Monthly; Compounding Method: Simple
Balance: $50,000 and Greater; Min Required to Earn Stated APY: $50,000.00
Balance: $25,000 - $49,999.99; Min Required to Earn Stated APY: $25,000.00
Balance: $10,000 - $24,999.99; Min Required to Earn Stated APY: $10,000.00
Balance: $5,000 And Greater; Maintenance Fee/Minimum Balance: $0
Balance: Less than $10,000; Min Required to Earn Stated APY: $2,500.00
Minimum daily balance to obtain APY: $0.00
Balance: $10,000.00 to $24,999.99; Interest Payment Frequency: Monthly; Compounding Method: Simple
Balance: $2,500.00 to $9,999.99; Interest Payment Frequency: Monthly; Compounding Method: Simple
Savings Accounts; Rates Effective: 10.20.26; Terms & Conditions: Disclosure
Savings Accounts; Rates Effective: 10.20.26; Terms & Conditions: Disclosure
Savings Accounts; Rates Effective: 10.20.26; Terms & Conditions: Disclosure
Balance: $0-4,999.99
Balance: $500 - $2,499.99; Maintenance Fee/Minimum Balance: $0
Interest Payment Frequency: Monthly; Compounding Method: Simple
Interest Payment Frequency: Monthly; Compounding Method: Simple
Balance: $1,000.00 to $2,499.99; Interest Payment Frequency: Monthly; Compounding Method: Simple
Balance: Less than $2,000; Min Required to Earn Stated APY: $500.00
Balance: $.01 - $499.99; Maintenance Fee/Minimum Balance: $0
Balance: All balances
Balance: All balances
Fees may reduce earnings; minimum is account balance to earn dividends; rates effective as of 10/01/2026
Fees may reduce earnings; minimum is account balance to earn dividends; rates effective as of 10/01/2026
Balance: $0.01 to $4,999.99; Requires open Huntington Perks Checking account; Rates effective as of Monday, October 19, 2026
Balance: $0.01 to $4,999.99; Requires open Huntington Platinum Perks Checking account; Rates effective as of Monday, October 19, 2026
Balance: $0+
Balance: $0.00 - $4,999.99; Balances below $5,000.00 earn 0.01% APY
Balance: $0.01 to $4,999.99; Non-Relationship Rate; Minimum balance to earn interest is $0.01 and must be new money to Huntington; Rates effective as of Monday, October 19, 2026
Balance: Up to $999.99; Interest Payment Frequency: Monthly; Compounding Method: Simple
Balance: remainder over $50,000
Balance: $0.01 to $5,000
Qualifying balance up to $500.00; Minimum membership deposit $5.00 into Regular Share Savings Account; See full reward savings details and account requirements
Balance: $25.00 - $2,500.00; Qualifying balance up to $2,500.00; Regular Savings; Dividend Paid: Quarterly
Balance: $0.00 - $5,000.00; Qualifying balance up to $5,000.00; For owners age 17 and under; one account per owner; converts to Savings Account at age 18
Limited time offer; Interest credited at maturity; Maximum deposit $500.00 per month; Accounts may be opened on or after November 1, 2025; Rate paid until maturity October 31, 2026; Account does not renew at maturity; No minimum deposit to open; No minimum balance required; Early withdrawals not permitted; One personal account per tax identification number
Qualifications Required; Balance: $0 - $5,000.00; Qualifying balance up to $5,000.00
Balance: $0 - $1,000; Rates accurate as of 10/1/2026
Balance: $0.00 - $500.00; If daily balance is $500 or less; $1.00 per withdrawal for more than one withdrawal per month
Balance: $0-$500; Compounds monthly; Maximum of one SavingsPlus account per membership share; Rates effective 07/28/2026
APY Compounded: Monthly; There may be a penalty for early withdrawal
APY Compounded: Monthly; There may be a penalty for early withdrawal
APY Compounded: Monthly; There may be a penalty for early withdrawal
APY Compounded: Monthly; There may be a penalty for early withdrawal
APY Compounded: Monthly; There may be a penalty for early withdrawal
Balance: $200,000.00 and over
Balance: $0.00 - $100,000.00; Qualifying balance up to $100,000.00
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.
Kenosha, WI Savings Rate Trends
Compare local Kenosha, 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 fell 0.006 points over the past 7 days to 1.695% APY, down from 1.701%.
Wisconsin standard savings rates fell 0.017 points over the past 7 days to 0.265% APY, down from 0.282%.
Kenosha, 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 1.695% 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 Kenosha, Wisconsin.
Savings Account Earnings in Kenosha, 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 (1.695% APY) | Monthly Earnings | Standard Savings (0.265% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $84.74 / year | $7.06 | $13.23 / year | $1.10 |
| $10,000 | $169.48 / year | $14.12 | $26.46 / year | $2.21 |
| $25,000 | $423.70 / year | $35.31 | $66.15 / year | $5.51 |
| $50,000 | $847.40 / year | $70.62 | $132.30 / year | $11.03 |
| 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: Kenosha, Wisconsin savings rate averages as of October 25, 2026. | ||||
About Our Kenosha, Wisconsin Savings Rate Database
MonitorBankRates found 13 institutions with branches in Kenosha (8 banks, 5 credit unions), plus 13 additional state-chartered and national online institutions available to Kenosha 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: US Bank offers a savings account at 3.50% APY with a minimum deposit of $25. Use the rate table above to compare all current offers in Kenosha, Wisconsin.
How to Find the Best Savings Rates in Kenosha, Wisconsin
What to compare when shopping for a savings account in Kenosha, Wisconsin
To find the best savings APYs in Kenosha, Wisconsin, start with credit unions and online-only banks: Kenosha, Wisconsin has 13 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 1.695% but top local institutions are offering as high as 3.50%, 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. Kenosha, Wisconsin high-yield savings rates currently average 1.695% 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 Kenosha, Wisconsin institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 26 institutions in Kenosha, Wisconsin report savings 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 Kenosha, Wisconsin CD rates
- You want check-writing flexibility Kenosha, Wisconsin money market rates
- You need daily transaction access Kenosha, Wisconsin checking rates
Kenosha, Wisconsin Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
13.8% of residents are 65 or older, below the national average of 17.3%. At today’s WI high-yield savings average of 1.695%, saving 10% of the local median salary ($4,124/year) would earn an additional $70 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Kenosha, Wisconsin Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Kenosha, Wisconsin.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current WI Avg APY | 1.695% | 0.265% | 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 Kenosha, Wisconsin averages tracked in our database as of October 25, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Kenosha, Wisconsin
At WI’s top rate of 3.50% from US Bank, a $10,000 deposit earns $350 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Kenosha, Wisconsin earner is roughly $10,300. At 1.695% APY, saving $860/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 1.695% 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 Kenosha, Wisconsin earner makes $41,247/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 1.695% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 1.695% APY grows to roughly $34,988 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 Kenosha, 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 Kenosha, 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 Kenosha, 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 Kenosha, Wisconsin
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Kenosha, Wisconsin safe?
How often do savings rates change in Kenosha, 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 Kenosha, Wisconsin?
How do I open a savings account in Kenosha, Wisconsin?
Best Savings Rates in Kenosha, Wisconsin
- US Bank
Bank Smartly Savings Account: 3.50% APY - The Huntington National Bank
Relationship Savings Account - With Huntington Perks Checking: 3.25% APY - North Shore Bank
Premier Health Savings Account: 3.00% APY - TruStone Financial Credit Union
MoneyWise Primary Share (Youth): 3.00% APY - State Bank of the Lakes
Statement Savings Advanced Special: 2.00% APY
Kenosha, Wisconsin Rates & Resources
