Medford, Wisconsin Savings Rates - October 2026
Brian McKay
Brian McKay
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Medford, Wisconsin savings account rates range from 0.05% to 10.00% APY, verified by MonitorBankRates as of October 23, 2026. The best savings rates for Medford, Wisconsin and the surrounding area include Royal Credit UnionRoyal Credit Union352 N 8th St, Medford, WI 54451 1514A+5.0 ★Texas Ratio: 3.17%Real return: -0.10%APY minus 3.7% CPIRate verified Oct 19, 2026 High-Yield Savings - 100K at 3.60% APY, Taylor Credit UnionTaylor Credit Union825 E Allman St, Medford, WI 54451A+5.0 ★Texas Ratio: 1.03%Real return: -1.79%APY minus 3.7% CPIRate verified Oct 19, 2026 Coverdell Education Savings Account - 4 Year at 1.91% APY, Forward BankForward Bank721 S 8th St, Medford, WI 54451A+5.0 ★Texas Ratio: 2.26%Real return: -2.09%APY minus 3.7% CPIRate verified Oct 21, 2026 BCMMA at 1.61% APY, AbbyBankAbbyBank215 S 8th St, Medford, WI 54451A5.0 ★Texas Ratio: 11.72%Real return: -3.15%APY minus 3.7% CPIRate verified Oct 21, 2026 Health Savings Account at 0.55% APY, and Associated BankAssociated Bank160 Medford Plz, Medford, WI 54451A+5.0 ★Texas Ratio: 3.45%Real return: -3.45%APY minus 3.7% CPIRate verified Oct 22, 2026 Associated Relationship Savings at 0.25% APY.
Medford has 49 local institutions in our database, with savings rates as high as 3.60% APY from Royal Credit Union at 352 N 8th St, Medford, WI 54451 1514. 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 Medford, Wisconsin and the surrounding area. Last Updated and Verified: October 23, 2026
Compare the Best Savings Rates in Medford, Wisconsin & Surrounding Communities
Balance: $100,000-$250,000
- Oct 5, 20263.60%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Paid: Quarterly
Paid: Quarterly; Rates effective 01/01/2024
- Oct 19, 20261.91%▲ from 0.25%
- Oct 9, 20260.25%▼ from 1.91%
- Sep 14, 20261.91%first recorded
Paid: Quarterly
Paid: Quarterly; Rates effective 01/01/2024
Paid: Quarterly
Paid: Quarterly; Rates effective 01/01/2024
Paid: Quarterly
Paid: Quarterly; Rates effective 01/01/2024
Money Market Account; Minimum to Earn APY: $1,000,000
- Sep 19, 20261.61%▲ from 1.36%
- Sep 14, 20261.36%first recorded
Money Market Account; Minimum to Earn APY: $1,000,000
- Sep 19, 20261.61%▲ from 1.36%
- Sep 14, 20261.36%first recorded
Money Market Account; Minimum to Earn APY: $250,000
- Sep 19, 20261.46%▲ from 1.20%
- Sep 14, 20261.20%first recorded
Money Market Account; Minimum to Earn APY: $250,000
- Sep 19, 20261.46%▲ from 1.20%
- Sep 14, 20261.20%first recorded
Money Market Account; Minimum to Earn APY: $100,000
- Sep 19, 20261.11%▲ from 0.85%
- Sep 14, 20260.85%first recorded
Money Market Account; Minimum to Earn APY: $100,000
- Sep 19, 20261.11%▲ from 0.85%
- Sep 14, 20260.85%first recorded
Money Market Account; Minimum to Earn APY: $50,000
- Sep 19, 20260.95%▲ from 0.70%
- Sep 14, 20260.70%first recorded
Money Market Account; Minimum to Earn APY: $50,000
- Sep 19, 20260.95%▲ from 0.70%
- Sep 14, 20260.70%first recorded
Money Market Account; Minimum to Earn APY: $100
- Sep 19, 20260.60%▲ from 0.35%
- Sep 14, 20260.35%first recorded
Money Market Account; Minimum to Earn APY: $100
- Sep 19, 20260.60%▲ from 0.35%
- Sep 14, 20260.35%first recorded
Balance: $25,000 and More
Balance: $10,000 and More
Balance: $15,000 - $24,999.99
Paid: Quarterly; Minimum Deposit:
Paid: Quarterly; Minimum Deposit:
Paid: Quarterly; Minimum Deposit:
Paid: Quarterly; Minimum Deposit:
Balance: $5,000 - $14,999.99
Minimum daily balance to obtain APY: $0.00
Balance: $25,000+; $0.01 minimum balance required to earn APY
Paid: Quarterly
Balance: $5,000 and above; $5 monthly service charge if available balance falls below $100
Balance: $100 - $4,999; $5 monthly service charge if available balance falls below $100
Balance: $1,000+; $50 minimum to open and earn APY
Balance: $5,000 - $24,999.99; $0.01 minimum balance required to earn APY
Balance: $50 - $4,999.99
Balance: $100 and More
Balance: $1,000+
Paid: Monthly
Paid: Monthly
Paid: Monthly
Balance: $50 - $999.99; $50 minimum to open and earn APY
Balance: $0.01 - $4,999.99; $0.01 minimum balance required to earn APY
Balance: $50 - $999.99
Minimum to earn APY: $100; Rates could change after account is opened
Minimum to Earn APY: $0; Rates could change after account is opened
Minimum to Earn APY: $100; Rates could change after account is opened
Rates could change after account is opened.
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
Balance: $200,000.00 and over
Balance: $0.00 - $100,000.00; Qualifying balance up to $100,000.00
Effective Date: October 1, 2026
- Oct 22, 20263.98%▲ from 3.72%
- Sep 14, 20263.72%first recorded
Monthly fee: Free
- Oct 23, 20263.79%▲ from 3.75%
- Oct 15, 20263.75%▼ from 3.79%
- Oct 13, 20263.79%▲ from 3.75%
- Oct 5, 20263.75%▼ from 3.79%
Balance: $0 - $15,000; Dividends Paid: Monthly
- Oct 5, 20263.66%▲ from 3.56%
- Sep 18, 20263.56%first recorded
HSA Rates; Dividend Rate column
Balance: $500,000 and over
Balance: $1,000,000 and over; Minimum balance required to earn stated rate is $20,000; Rate may change after account is opened
Balance: >$100,000.00; Dividends compounded monthly; Must open a Premier Checking and maintain a minimum average balance of $5,000.00 to receive this rate; Premier Account rate, personal accounts only
Balance: $5 - $1,000; Account closed if no deposit in any 90-day period; $5 penalty per withdrawal (waived if funds transferred to IRA); Not a retirement account
Balance: $500,000 and over; Includes ROTH, Traditional IRA, and CESA Share
Balance: $200,000 - $499,999
Balance: $75,000.00 - $100,000.00; Dividends compounded monthly; Must open a Premier Checking and maintain a minimum average balance of $5,000.00 to receive this rate; Premier Account rate, personal accounts only
Balance: $50,000.00 - $75,000.00; Dividends compounded monthly; Must open a Premier Checking and maintain a minimum average balance of $5,000.00 to receive this rate; Premier Account rate, personal accounts only
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.
Medford, WI Savings Rate Trends
Compare local Medford, 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%.
Medford, 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 Medford, Wisconsin.
Savings Account Earnings in Medford, 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: Medford, Wisconsin savings rate averages as of October 25, 2026. | ||||
About Our Medford, Wisconsin Savings Rate Database
MonitorBankRates found 7 institutions with branches in Medford (5 banks, 2 credit unions), plus 19 additional state-chartered and national online institutions available to Medford 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: Royal Credit Union offers a savings account at 3.60% APY. Use the rate table above to compare all current offers in Medford, Wisconsin.
How to Find the Best Savings Rates in Medford, Wisconsin
What to compare when shopping for a savings account in Medford, Wisconsin
To find the best savings APYs in Medford, Wisconsin, start with credit unions and online-only banks: Medford, Wisconsin has 16 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 3.60%, 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. Medford, 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 Medford, Wisconsin institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 26 institutions in Medford, Wisconsin report savings rates to our database.
- You’re among Medford, Wisconsin’s 24.5% 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 Medford, Wisconsin CD rates
- You want check-writing flexibility Medford, Wisconsin money market rates
- You need daily transaction access Medford, Wisconsin checking rates
Medford, Wisconsin Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
24.5% of residents are 65 or older, above the national average of 17.3%, making liquid, accessible savings accounts a particularly relevant option in this market; a low unemployment rate of 2.6% reflects a strong local economy with solid savings capacity. At today’s WI high-yield savings average of 1.695%, saving 10% of the local median salary ($4,042/year) would earn an additional $69 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Medford, Wisconsin Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Medford, 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 Medford, 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 Medford, Wisconsin
At WI’s top rate of 3.60% from Royal Credit Union, a $10,000 deposit earns $360 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Medford, Wisconsin earner is roughly $10,100. At 1.695% APY, saving $840/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 Medford, Wisconsin earner makes $40,425/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 Medford, 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 Medford, 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 Medford, 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 Medford, Wisconsin
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Medford, Wisconsin safe?
How often do savings rates change in Medford, 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 Medford, Wisconsin?
How do I open a savings account in Medford, Wisconsin?
Best Savings Rates in Medford, Wisconsin
- Royal Credit Union
High-Yield Savings - 100K: 3.60% APY - Taylor Credit Union
Coverdell Education Savings Account - 4 Year: 1.91% APY - Forward Bank
BCMMA: 1.61% APY - AbbyBank
Health Savings Account: 0.55% APY - Associated Bank
Associated Relationship Savings: 0.25% APY
Medford, Wisconsin Rates & Resources
