Oak Creek, Wisconsin Savings Rates for October 2026
Brian McKay
Brian McKay
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Oak Creek, Wisconsin savings account rates range from 0.01% to 10.00% APY, verified by MonitorBankRates as of October 31, 2026. The best savings rates for Oak Creek, Wisconsin and the surrounding area include US BankUS Bank171 W Town Square Way, Oak Creek, WI 53154A+5.0 ★Texas Ratio: 2.85%Real return: -0.20%APY minus 3.7% CPIRate verified Oct 31, 2026 Bank Smartly Savings Account at 3.50% APY, The Huntington National BankThe Huntington National Bank8995 S Howell Ave, Oak Creek, WI 53154A+5.0 ★Texas Ratio: 3.66%Real return: -0.45%APY minus 3.7% CPIRate verified Oct 31, 2026 Relationship Savings Account - With Huntington Perks Checking at 3.25% APY, WaterStone BankWaterStone Bank6560 S 27th St, Oak Creek, WI 53154A+5.0 ★Texas Ratio: 2.07%Real return: -0.70%APY minus 3.7% CPIRate verified Oct 31, 2026 Life Moments Savings at 3.00% APY, North Shore BankNorth Shore Bank8701 S Howell Ave, Oak Creek, WI 53154A+5.0 ★Texas Ratio: 0.50%Real return: -0.70%APY minus 3.7% CPIRate verified Oct 27, 2026 Premier Health Savings Account at 3.00% APY, and Educators Credit UnionEducators Credit Union130 W Town Square Way, Oak Creek, WI 53154A+5.0 ★Texas Ratio: 4.30%Real return: -2.94%APY minus 3.7% CPIRate verified Oct 29, 2026 HSA (Health Savings Account) at 0.76% APY.
Oak Creek has 46 local institutions in our database, with savings rates as high as 3.50% APY from US Bank at 171 W Town Square Way, Oak Creek, WI 53154. 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 Oak Creek, Wisconsin and the surrounding area. Last Updated and Verified: October 31, 2026
Compare the Best Savings Rates in Oak Creek, 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: Below $5,000.01; Requires a WaterStone consumer checking account to be maintained; APY depends on balance
Balance: $100,000-249,999.99
Balance: $5,000.00 - $2,000,000.99; APY range 2.40%-4.00% and rate range 2.38%-3.94% based on zip code; variable rate, subject to change; minimum $5,000 new money not currently deposited at Huntington; Relationship Savings Account; $10 monthly fee if average daily balance below $2,500 and no qualifying checking account
Balance: $25,000-99,999.99
Balance: All balances
Balance: $0-24,999.99
An HSA has a $25 set-up fee; Fees may reduce earnings
Individual Retirement Account (IRA) savings; APYs shown are current as of 10/16/2026
- Oct 9, 20260.60%▲ from 0.45%
- Sep 14, 20260.45%first recorded
IBEW members in Wisconsin and Michigan only; Fees may reduce earnings
Personal, Youth, Business, Organization
- Oct 9, 20260.50%▲ from 0.35%
- Sep 14, 20260.35%first recorded
Balance: $50,000.00 or more
Minimum daily balance to obtain APY: $0.00
Balance: $25,000.00 - $49,999.99
Balance: $10,000.00 - $24,999.99
Balance: $0-4,999.99
Balance: $5,000.00 - $9,999.99
Balance: $5,000.01 or more; APY printed as range from 3.00% to 0.15%; Requires a WaterStone consumer checking account to be maintained
Balance: $5,000.00 or more
Balance: $5,000.00 or more; Requires a Stepping Stone Checking Account to be maintained
Balance: $4,999.99 or less
Variable rate IRA account; interest rates are variable and may change; fees may reduce earnings; APY effective as of 10/05/26
Balance: $1,000.00 - $4,999.99
Balance: $1,000.00 - $4,999.99; Requires a Stepping Stone Checking Account to be maintained
Balance: All balances
Balance: All balances
Balance: minimum $100 to earn dividends; Fees may reduce earnings
Fees may reduce earnings
Balance: $999.99 or less
Balance: $999.99 or less; Requires a Stepping Stone Checking Account to be maintained
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: $1.00 - $499.99
Balance: $0.00 - $4,999.99; earns 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
Savings Programs
Balance: $0.01 to $5,000
Qualifying balance up to $500.00; see full reward savings details and account requirements
Balance: $25.00 - $2,500.00; 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
Balance: $100.00 and over; Minimum opening balance $100; additional deposits up to $8,000; matures on teen's 18th birthday; early withdrawal forfeits dividends
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-$500; Compounds monthly; Maximum of one SavingsPlus account per membership share
Balance: $100.00 and over; Minimum opening balance $100; additional deposits up to $5,000; matures on child's 13th birthday; early withdrawal forfeits dividends
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 29, 20263.75%▼ from 3.79%
- Oct 23, 20263.79%▲ from 3.75%
- Oct 15, 20263.75%▼ from 3.79%
- Oct 13, 20263.79%▲ from 3.75%
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: $100,000-$250,000; Featured rate
Balance: $500,000+
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; Limitations: no deposit in any 90-day period closes account; $5 penalty per withdrawal (waived if funds transferred to IRA); not a retirement account
Balance: $500,000+
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
Dividends Paid: Monthly
- Oct 5, 20263.16%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Balance: $25,000.00 - $50,000.00; 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: $750,000 - $999,999.99; Minimum balance required to earn stated rate is $20,000; Rate may change after account is opened
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.
Oak Creek, WI Savings Rate Trends
Compare local Oak 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 fell 0.099 points over the past 7 days to 1.596% APY, down from 1.695%.
Wisconsin standard savings rates rose 0.018 points over the past 7 days to 0.282% APY, up from 0.265%.
Oak 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 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 1.596% 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 Oak Creek, Wisconsin.
Savings Account Earnings in Oak 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 (1.596% APY) | Monthly Earnings | Standard Savings (0.282% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $79.79 / year | $6.65 | $14.12 / year | $1.18 |
| $10,000 | $159.57 / year | $13.30 | $28.24 / year | $2.35 |
| $25,000 | $398.92 / year | $33.24 | $70.60 / year | $5.88 |
| $50,000 | $797.85 / year | $66.49 | $141.20 / year | $11.77 |
| 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: Oak Creek, Wisconsin savings rate averages as of October 31, 2026. | ||||
About Our Oak Creek, Wisconsin Savings Rate Database
MonitorBankRates found 11 institutions with branches in Oak Creek (7 banks, 4 credit unions), plus 18 additional state-chartered and national online institutions available to Oak Creek 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 Oak Creek, Wisconsin.
How to Find the Best Savings Rates in Oak Creek, Wisconsin
What to compare when shopping for a savings account in Oak Creek, Wisconsin
To find the best savings APYs in Oak Creek, Wisconsin, start with credit unions and online-only banks: Oak Creek, Wisconsin has 19 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 1.596% 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. Oak Creek, Wisconsin high-yield savings rates currently average 1.596% 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 Oak Creek, Wisconsin institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 29 institutions in Oak Creek, 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 Oak Creek, Wisconsin CD rates
- You want check-writing flexibility Oak Creek, Wisconsin money market rates
- You need daily transaction access Oak Creek, Wisconsin checking rates
Oak Creek, Wisconsin Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
15.1% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 1.3% reflects a strong local economy with solid savings capacity. At today’s WI high-yield savings average of 1.596%, saving 10% of the local median salary ($5,722/year) would earn an additional $91 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Oak Creek, Wisconsin Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Oak Creek, Wisconsin.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current WI Avg APY | 1.596% | 0.282% | 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 Oak Creek, Wisconsin averages tracked in our database as of October 31, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Oak Creek, 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 Oak Creek, Wisconsin earner is roughly $14,300. At 1.596% APY, saving $1,190/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 1.596% 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 Oak Creek, Wisconsin earner makes $57,223/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 1.596% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 1.596% APY grows to roughly $34,312 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 Oak 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 Oak 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 Oak 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 Oak Creek, Wisconsin
What are savings account rates in Oak Creek, Wisconsin today?
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Oak Creek, Wisconsin safe?
How often do savings rates change in Oak 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 Oak Creek, Wisconsin?
How do I open a savings account in Oak Creek, Wisconsin?
Best Savings Rates in Oak Creek, Wisconsin
- US Bank
Bank Smartly Savings Account: 3.50% APY - The Huntington National Bank
Relationship Savings Account - With Huntington Perks Checking: 3.25% APY - WaterStone Bank
Life Moments Savings: 3.00% APY - North Shore Bank
Premier Health Savings Account: 3.00% APY - Educators Credit Union
HSA (Health Savings Account): 0.76% APY
Oak Creek, Wisconsin Rates & Resources
