Richland Center, Wisconsin Savings Rates - October 2026
Brian McKay
Brian McKay
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Richland Center, Wisconsin savings account rates range from 0.03% to 10.00% APY, verified by MonitorBankRates as of October 23, 2026. The best savings rates for Richland Center, Wisconsin and the surrounding area include WCCU Credit UnionWCCU Credit Union2403 US Hwy 14 E, RICHLAND CENTER, WI 53581 2996A5.0 ★Texas Ratio: 6.00%Real return: -2.95%APY minus 3.7% CPIRate verified Oct 19, 2026 Health Savings at 0.75% APY, The Peoples Community BankThe Peoples Community Bank187 S Central Ave, Richland Center, WI 53581A+5.0 ★Texas Ratio: 0.74%Real return: -3.67%APY minus 3.7% CPIRate verified Oct 20, 2026 Home Owner's Savings at 0.03% APY, Avestar Credit UnionAvestar Credit UnionA5.0 ★Texas Ratio: 8.52%Real return: +6.30%APY minus 3.7% CPIRate verified Oct 19, 2026 Round Up Savings Account at 10.00% APY, PCM Credit UnionPCM Credit UnionA+5.0 ★Texas Ratio: 4.06%Real return: +3.80%APY minus 3.7% CPIRate verified Oct 19, 2026 Reward Savings at 7.50% APY, and Simplicity Credit UnionSimplicity Credit UnionA5.0 ★Texas Ratio: 9.92%Real return: +3.49%APY minus 3.7% CPIRate verified Oct 19, 2026 Youth and Young Adult Savings at 7.19% APY.
Richland Center has 8 local institutions in our database, with savings rates as high as 0.75% APY from WCCU Credit Union at 2403 US Hwy 14 E, RICHLAND CENTER, WI 53581 2996. 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 Richland Center, Wisconsin and the surrounding area. Last Updated and Verified: October 23, 2026
Compare the Best Savings Rates in Richland Center, Wisconsin & Surrounding Communities
Balance: $25,000 and over; Dividends paid monthly
Balance: $15,000 - $24,999.99; Dividends paid monthly
Balance: $5,000 - $14,999.99; Dividends paid monthly
Dividends paid quarterly
Balance: $50 - $4,999.99; Dividends paid monthly
Dividends paid quarterly
Balance:; Footnote: No service charge with $100 minimum daily balance.
Minimum Balance:; **No service charge with $100 minimum daily balance.
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
Balances up to $10,000.00 earn the current Minor Savings APY; a portion over $10,000.00 earns the current regular savings APY (rate not stated); Interest compounded monthly with statements; $10 minimum to open; For children 17 years old or younger; One minor account per child; APY good as of April 15, 2026, may change at any time; Promo code 4205
Ages: 0-19; Balance: $0.00 - $999.99; Minimum to open $10 ($1/month charge if below); $1 fee for each withdrawal in excess of six per month
Promotional APY for the 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 money required; personal accounts only; early account closure fee may apply within 180 days
- Oct 14, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
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: $5,000 and over
- Oct 14, 20263.75%▲ from 0.25%
- Sep 24, 20260.25%first recorded
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
- Oct 5, 20263.60%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Balance: $1,000,000 and over
Balance: $5,000,000+
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: $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: $250,000.00 - $499,999.99; Limited to three (3) debit transactions per quarterly statement cycle; personal Bank First checking with direct deposit required
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: $25,000 or more; Rate for new savings customers only; requires $25,000 within 30 days; Bay Area CA counties only
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: $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: $1,000,000 - $4,999,999.99
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
Balance: $250,000.00 or more; $1000 to open/HSA Money Market Savings (no minimum)
Balance: $0.00 - $1,000.00; 3.04% APY/3.00% dividend rate applies to balances up to $1,000.00; balances over $1,000.00 earn 0.10% APY/0.10% dividend; Minimum daily balance to avoid fee: $0
Balance: $0.00 - $1,000.00; 3.04% APY/3.00% dividend rate applies to balances up to $1,000.00; balances over $1,000.00 earn 0.10% APY/0.10% dividend; Minimum daily balance to avoid fee: $0
Dividends compounded monthly
Balance: <$25,000.00; 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: $150,000.00 - $249,999.99; Limited to three (3) debit transactions per quarterly statement cycle; personal Bank First checking with direct deposit required
Balance: $15,000.00+
Balance: Below $5,000.01; Requires a WaterStone consumer checking account to be maintained; APY depends on balance
Balance: $0 - $2,000.00
Balance: $25,000 and higher
- 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; Dividend tier; Must have a Connect Plus Checking to open Connect Savings; Refer to Connect Plus Checking qualifications; Rates as of 10/01/2026
Balance: $10,000 and above
Balance: $500,000 - $999,999.99
Balance: $50,000.00 and over
Balance: $15,000-$24,999.99
- Oct 3, 20262.55%▲ from 2.25%
- Sep 27, 20262.25%first recorded
Balance: $50,000.00 and over
Balance: $100,000 (Tier 2); Balance falling below $100,000 earns 0.22% APY; Compounding: Quarterly
Balance: $50,000.00 - $149,999.99; Limited to three (3) debit transactions per quarterly statement cycle; personal Bank First checking with direct deposit required
Balance: $500.01 - $5,000.00; $1.00 per withdrawal for more than one withdrawal per month
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.
Richland Center, WI Savings Rate Trends
Compare local Richland Center, 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%.
Richland Center, 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 Richland Center, Wisconsin.
Savings Account Earnings in Richland Center, 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: Richland Center, Wisconsin savings rate averages as of October 25, 2026. | ||||
About Our Richland Center, Wisconsin Savings Rate Database
MonitorBankRates found 2 institutions with branches in Richland Center (1 bank, 1 credit union), plus 39 additional state-chartered and national online institutions available to Richland Center 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: WCCU Credit Union offers a savings account at 0.75% APY. Use the rate table above to compare all current offers in Richland Center, Wisconsin.
How to Find the Best Savings Rates in Richland Center, Wisconsin
What to compare when shopping for a savings account in Richland Center, Wisconsin
To find the best savings APYs in Richland Center, Wisconsin, start with credit unions and online-only banks: Richland Center, 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 1.695% Use the table above to find the best available offer.
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. Richland Center, 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 Richland Center, Wisconsin institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 41 institutions in Richland Center, Wisconsin report savings rates to our database.
- You’re among Richland Center, Wisconsin’s 23.4% 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 Richland Center, Wisconsin CD rates
- You want check-writing flexibility Richland Center, Wisconsin money market rates
- You need daily transaction access Richland Center, Wisconsin checking rates
Richland Center, Wisconsin Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
23.4% 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. At today’s WI high-yield savings average of 1.695%, saving 10% of the local median salary ($3,612/year) would earn an additional $61 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Richland Center, Wisconsin Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Richland Center, 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 Richland Center, 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 Richland Center, Wisconsin
At WI’s top rate of 0.75% from WCCU Credit Union, a $10,000 deposit earns $75 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Richland Center, Wisconsin earner is roughly $9,000. At 1.695% APY, saving $750/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 Richland Center, Wisconsin earner makes $36,120/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 Richland Center, 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 Richland Center, 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 Richland Center, 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 Richland Center, Wisconsin
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Richland Center, Wisconsin safe?
How often do savings rates change in Richland Center, 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 Richland Center, Wisconsin?
How do I open a savings account in Richland Center, Wisconsin?
Best Savings Rates in Richland Center, Wisconsin
- WCCU Credit Union
Health Savings: 0.75% APY - The Peoples Community Bank
Home Owner's Savings: 0.03% APY - 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
Richland Center, Wisconsin Rates & Resources
