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Wisconsin Savings Rate Trends

Waunakee, Wisconsin (WI) Savings Rates - April 2026

The best savings rates for Waunakee, Wisconsin and the surrounding area include Lake Ridge BankLake Ridge Bank610 W Main St, Waunakee, WI 53597A+5.0 ★Texas Ratio: 3.24% High Yield Savings at 2.84% APY, One Community BankOne Community Bank1351 Water Wheel Dr, Waunakee, WI 53597A+5.0 ★Texas Ratio: 0.14% Good Neighbor Savings at 2.75% APY, Avestar Credit UnionAvestar Credit UnionA5.0 ★Texas Ratio: 8.55% Round Up Savings Account at 10.00% APY, PCM Credit UnionPCM Credit UnionA+5.0 ★Texas Ratio: 3.63% Reward Savings at 7.50% APY, and Simplicity Credit UnionSimplicity Credit UnionA5.0 ★Texas Ratio: 10.89% Youth and Young Adult Savings at 7.00% APY.

Waunakee has 15 local institutions in our database, with savings rates as high as 2.84% APY from Lake Ridge Bank at 610 W Main St, Waunakee, WI 53597. Use the table below to compare all available offers, including options from institutions serving the broader Wisconsin area. Rates are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Waunakee, Wisconsin and the surrounding area. Last Updated and Verified: April 8, 2026

Compare the Best Savings Rates in Waunakee, Wisconsin & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Lake Ridge Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
610 W Main St, Waunakee, WI 53597
High Yield Savings
2.84%
$0
Rate2.80%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

$10,000 and above

Lake Ridge Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
610 W Main St, Waunakee, WI 53597
High-Yield Savings Account
2.84%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Qualifying balance up to $10,000.00

One Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
1351 Water Wheel Dr, Waunakee, WI 53597
Good Neighbor Savings
2.75%
$25,000
Rate2.72%
Min Deposit$25,000
Min Balance
UpdatedMar 24, 2026
Details

Lake Ridge Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
610 W Main St, Waunakee, WI 53597
LifeSavings HSA
1.71%
$0
Rate1.70%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

One Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
1351 Water Wheel Dr, Waunakee, WI 53597
Property Tax Club Savings
1.25%
$20
Rate1.25%
Min Deposit$20
Min Balance
UpdatedMar 24, 2026
Details

One Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
1351 Water Wheel Dr, Waunakee, WI 53597
Holiday Club Savings
0.75%
$20
Rate0.75%
Min Deposit$20
Min Balance
UpdatedMar 24, 2026
Details

Lake Ridge Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
610 W Main St, Waunakee, WI 53597
Business Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Lake Ridge Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
610 W Main St, Waunakee, WI 53597
Forward Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Lake Ridge Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
610 W Main St, Waunakee, WI 53597
High Yield Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Lake Ridge Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
610 W Main St, Waunakee, WI 53597
High Yield Savings to $9,999.99
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

$0

Lake Ridge Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
610 W Main St, Waunakee, WI 53597
Junior Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

One Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
1351 Water Wheel Dr, Waunakee, WI 53597
Health Savings
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

One Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
1351 Water Wheel Dr, Waunakee, WI 53597
Good Neighbor Savings
0.15%
$25,000
Rate0.15%
Min Deposit$25,000
Min Balance
UpdatedMar 24, 2026
Details

One Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
1351 Water Wheel Dr, Waunakee, WI 53597
Statement Savings
0.15%
$50
Rate0.15%
Min Deposit$50
Min Balance
UpdatedMar 24, 2026
Details

One Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
1351 Water Wheel Dr, Waunakee, WI 53597
Health Savings
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Avestar Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.55%
Round Up Savings Account
10.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

PCM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
Reward Savings
7.50%
$0
Rate7.25%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

Qualifying balance up to $500.00

Simplicity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
Youth and Young Adult Savings
7.00%
$0
Rate6.82%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

Qualifying balance up to $2,500.00

Simplicity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
Youth Savings
7.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

Qualifying balance up to $2,500

Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
Kids Club Savings Account
6.18%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

BONUS GIFT: Every new Kids Club account comes with an adorable Moose Plush - the perfect savings adventure sidekick!

River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Youth Savings
6.00%
$25
Rate5.87%
Min Deposit$25
Min Balance
UpdatedApr 2, 2026
Details

Qualifying balance up to $5,000.00

Fidelity Bank & Trust (IA)
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
Snap $tack Savings
5.12%
$1,000
Rate5.00%
Min Deposit$1,000
Min Balance
UpdatedMar 25, 2026
Details

Qualifying balance up to $5,000.00

Security Bank New Auburn, WI
Institution Rating:
A5.0 ★Texas Ratio: 9.11%
Youth Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 3, 2026
Details

Qualifying balance up to $500.00

Marshfield Medical Center Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
Kasasa Saver® Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

Qualifying balance up to $20,000.00

Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
SavingsPlus
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

Qualifying balance up to $500.00

Arcadia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Christmas Club Share
4.25%
$0
Rate4.16%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

Park City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Rewards Savings
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

Sentry Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
Savings
3.82%
$0
Rate3.75%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

Farmers Savings Bank Mineral Point, WI
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
Premier Savings
3.75%
$1,000
Rate3.69%
Min Deposit$1,000
Min Balance
UpdatedApr 3, 2026
Details

$1,000.00 minimum balance to open

MidWestOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
High-Yield Savings
3.60%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Contact your local banker for more details!

Badger Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Super Savings
3.56%
$0
Rate3.50%
Min Deposit$0
Min Balance
UpdatedApr 3, 2026
Details

The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
High-Yield Savings
3.55%
$5,000
Rate0.00%
Min Deposit$5,000
Min Balance
UpdatedMar 27, 2026
Details

Minimum of $5,000 not currently deposited at Huntington.

PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
Peoples Preferred Savings
3.51%
$1,000
Rate3.45%
Min Deposit$1,000
Min Balance
UpdatedApr 3, 2026
Details

PCM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
Top Ten Shares
3.50%
$0
Rate3.45%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
Premium Money Market Savings
3.40%
$0
Rate3.36%
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
Investment Savings
3.35%
$50,000
Rate3.31%
Min Deposit$50,000
Min Balance
UpdatedApr 2, 2026
Details

$250,000.00 - $499,999.99

Northwoods Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
Premier IRA Club Savings3
3.30%
$0
Rate3.25%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

Must open a Premier Checking and maintain a minimum average balance of $5,000.00 to receive this rate

Northwoods Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
Premier IRA Club Savings3
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

Must open a Premier Checking and maintain a minimum average balance of $5,000.00 to receive this rate

PCM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
Top Ten Shares
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

PCM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
Super Shares
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
PNC High Yield Savings®
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Farmers Savings Bank Mineral Point, WI
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
Premier Savings
3.25%
$1,000
Rate3.20%
Min Deposit$1,000
Min Balance
UpdatedApr 3, 2026
Details

$1,000.00 minimum balance to open

PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
Peoples Preferred Savings
3.20%
$1,000
Rate3.15%
Min Deposit$1,000
Min Balance
UpdatedApr 3, 2026
Details

Northwoods Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
Premier IRA Club Savings3
3.20%
$0
Rate3.15%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

Must open a Premier Checking and maintain a minimum average balance of $5,000.00 to receive this rate

Northwoods Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
Premier IRA Club Savings3
3.14%
$0
Rate3.10%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

Must open a Premier Checking and maintain a minimum average balance of $5,000.00 to receive this rate

Marshfield Medical Center Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
Investor Savings 5th Tier
3.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
Premium Money Market Savings
3.05%
$0
Rate3.02%
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Unison Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
Empowering Kids Savings
3.04%
$5
Rate3.00%
Min Deposit$5
Min Balance
UpdatedApr 8, 2026
Details

Unison Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
Empowering Teens Savings
3.04%
$5
Rate3.00%
Min Deposit$5
Min Balance
UpdatedApr 8, 2026
Details

Northwoods Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
IRA Club Savings
3.04%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

Northwoods Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
Premier IRA Club Savings3
3.04%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

Must open a Premier Checking and maintain a minimum average balance of $5,000.00 to receive this rate

Marshfield Medical Center Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
IRA Savings
3.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
SafeGuard Savings, Consumer
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
SafeGuard Savings, Municipal
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
Investment Savings
3.00%
$50,000
Rate2.97%
Min Deposit$50,000
Min Balance
UpdatedApr 2, 2026
Details

$150,000.00 - $249,999.99

Prospera Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
Connect Savings
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

Qualifications Required: Refer to Connect Plus Checking qualifications, which then apply to Connect Savings.; Must have a Connect Plus Checking to open Connect Savings.

PCM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
Super Shares
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

Great Midwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
Elite Savings
3.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 2, 2026
Details

The Bank of Brodhead
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
Health Savings
3.00%
$0
Rate2.95%
Min Deposit$0
Min Balance
UpdatedApr 2, 2026
Details

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
Premium Money Market Savings
2.90%
$0
Rate2.87%
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice.

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.

Waunakee, WI Savings Rate Trends

Compare local Waunakee, 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.

View Full Wisconsin Savings Trends →
High-Yield Savings — WI Avg
1.813%
▼ 0.318 vs 7 days ago

Wisconsin high-yield savings rates fell 0.318 points over the past 7 days to 1.813% APY, down from 2.131%.

Standard Savings — WI Avg
0.709%
▲ 0.085 vs 7 days ago

Wisconsin standard savings rates rose 0.085 points over the past 7 days to 0.709% APY, up from 0.625%.

As of Apr 10, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Waunakee, 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 Waunakee, 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 Waunakee, Wisconsin

What is a High-Yield Savings Account (HYSA)?

A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Wisconsin, help your money grow faster through a higher APY.

Are savings accounts in Waunakee, Wisconsin safe?

Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Wisconsin up to $250,000 per depositor, per institution.

How often do savings rates change in Waunakee, Wisconsin?

Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Wisconsin rate tables daily to ensure you see the most current high-yield options.

Do I need a minimum deposit to open a savings account?

It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Waunakee, Wisconsin may require $25–$100 to open an account.

What is the difference between a Savings Account and a Money Market Account?

Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.

Are online banks better than local banks in Waunakee, Wisconsin?

Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Waunakee, Wisconsin offer in-person customer service, which some customers prefer.

How do I open a savings account in Waunakee, Wisconsin?

You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.

Best Savings Rates in Waunakee, Wisconsin

Here are recent savings rates observed in Waunakee, Wisconsin and the surrounding area:
  • Lake Ridge Bank
    High Yield Savings — 2.84% APY
  • One Community Bank
    Good Neighbor Savings — 2.75% 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 — 7.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Waunakee, Wisconsin. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 8, 2026