Wauwatosa, Wisconsin Savings Rates - October 2026
Brian McKay
Brian McKay
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Wauwatosa, Wisconsin savings account rates range from 0.05% to 10.00% APY, verified by MonitorBankRates as of October 12, 2026. The best savings rates for Wauwatosa, Wisconsin and the surrounding area include CIT BankCIT Bank10401 W Innovation Dr, Wauwatosa, WI 53226A5.0 ★Texas Ratio: 7.72%Real return: +0.95%APY minus 2.8% CPI (February 2026) Platinum Savings >= at 3.75% APY, US BankUS Bank2323 N Mayfair Rd, Wauwatosa, WI 53226A+5.0 ★Texas Ratio: 2.85%Real return: +0.70%APY minus 2.8% CPI (February 2026) Bank Smartly Savings Account at 3.50% APY, WaterStone BankWaterStone Bank11200 W Plank Ct, Wauwatosa, WI 53226A+5.0 ★Texas Ratio: 2.07%Real return: +0.20%APY minus 2.8% CPI (February 2026) Life Moments Savings at 3.00% APY, North Shore BankNorth Shore Bank8706 W North Ave, Wauwatosa, WI 53226A+5.0 ★Texas Ratio: 0.50%Real return: +0.20%APY minus 2.8% CPI (February 2026) Premier Health Savings Account at 3.00% APY, and University of Wisconsin Credit UnionUniversity of Wisconsin Credit Union2365 N Mayfair Rd, Wauwatosa, WI 53226A+5.0 ★Texas Ratio: 3.38%Real return: -2.20%APY minus 2.8% CPI (February 2026) IRA Savings at 0.60% APY.
Wauwatosa has 43 local institutions in our database, with savings rates as high as 3.75% APY from CIT Bank at 10401 W Innovation Dr, Wauwatosa, WI 53226. 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 Wauwatosa, Wisconsin and the surrounding area. Last Updated and Verified: October 12, 2026
Compare the Best Savings Rates in Wauwatosa, 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 SmartlyTM Visa Signature Card and a CQB of at least $25,000. APYs may vary by location and are accurate for accounts opened on today's date. Restrictions apply.
Balance: Below $5,000.01
Balance: $100,000-249,999.99
Balance: $25,000-99,999.99
Balance: All balances
Balance: $0-24,999.99
- Oct 9, 20260.60%▲ from 0.45%
- Sep 14, 20260.45%first recorded
Personal, Youth, Business, Organization
- Oct 9, 20260.50%▲ from 0.35%
- Sep 14, 20260.35%first recorded
Balance: $50,000.00+
Balance: $1,500.00 - 49,999.99
Balance: $500.00 - 1,499.99
Balance: $50,000.00 or more
Balance: $25,000.00 - $49,999.99
- Oct 6, 20260.25%▼ from 3.75%
- Sep 24, 20263.75%first recorded
Simple way to build your business savings
Balance: $10,000.00 - $24,999.99
Balance: $0-4,999.99
Balance: $5,000.00 - $9,999.99
Balance: $5,000.00 and over. Annual Percentage Yields (APYs) are accurate as of 09/16/2024. APY for each tier is based on daily balance method: 3.00% APY on balances below $5,000.00, 0.15% APY on balances equal to or greater than $5,000.00 and requires $100.00 opening deposit. $5.00 minimum balance fee will be imposed monthly if the average daily balance for the statement cycle falls below $100.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. A statement cycle may be from the 17th (a calendar day) of a month to the 16th (a calendar day) of the next month. To determine your statement cycle please ask your Personal Banker at the time of account opening. Account must be open and active for 180 calendar days, or a $30.00 closing fee may be assessed at account closing. Fees may reduce earnings. See disclosure for details.
Balance: $5,000.00 or more
Balance: $5,000.00 or more
Balance: $4,999.99 or less
Balance: $1,000.00 - $4,999.99
Balance: $1,000.00 - $4,999.99
Balance: All balances
Balance: All balances
When linked to Premier Checking. Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
- Oct 7, 20260.05%▲ from 0.01%
- Sep 27, 20260.01%▼ from 0.05%
- Sep 18, 20260.05%first recorded
Balance: $0+
Balance: $0 - 499.99
Balance: $0.01 to $5,000
Balance: Up to $500; See full reward savings details and account requirements here .
Balance: $25.00 - $2,500.00
Balance: $100.00+; Youth Savings and Teen Savings Certificate minimum opening balance is $100. Additional deposits can be made up to $5,000 for the Youth Savings and $8,000 for the Teen Savings. The minimum additional deposit is $100. The Youth Savings matures on the child's 13th birthday. The Teen Savings matures on the teen's 18th birthday. Any withdrawal prior to maturity will result in a penalty of all dividends earned.
Balance: $0 - $1,000
Balance: $0-$500
Balance: $100.00+; Youth Savings and Teen Savings Certificate minimum opening balance is $100. Additional deposits can be made up to $5,000 for the Youth Savings and $8,000 for the Teen Savings. The minimum additional deposit is $100. The Youth Savings matures on the child's 13th birthday. The Teen Savings matures on the teen's 18th birthday. Any withdrawal prior to maturity will result in a penalty of all dividends earned.
Balance: $200,000.00+
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0.00 - $100,000.00
Balance: $0 - $15,000
- Oct 5, 20263.66%▲ from 3.56%
- Sep 18, 20263.56%first recorded
Balance: $100,000 - $250,000.00
- Oct 5, 20263.60%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Balance: $500,000+
Balance: $1,000,000+
Must open a Premier Checking and maintain a minimum average balance of $5,000.00 to receive this rate; Balance: >$100,000.00
Balance: $5 - $1,000
Balance: $500,000+; If balance falls below $2,500, the dividend rate will be the rate paid on Regular Shares. Share Savings Accounts are variable rate accounts which means the rate may change after the account is opened. Please contact the credit union for further information.
Balance: $200,000 - $499,999
Must open a Premier Checking and maintain a minimum average balance of $5,000.00 to receive this rate; Balance: $75,000.00 - $100,000.00
Balance: $5,000+; Qualifications Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. APY=Annual Percentage Yield. Rates may change after account is opened. Rate is accurate as of last dividend declaration date. Fees may reduce earnings on the account. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted to the account within the last 31 days and be posted to the account by the end of business day of the last day of the month for it to be considered a qualifying transaction. Credit Card transactions must be posted between the 27th of the previous month and the 26th of the current month to be considered a qualifying tran
- Oct 10, 20263.25%▲ from 0.30%
- Sep 14, 20260.30%first recorded
Must open a Premier Checking and maintain a minimum average balance of $5,000.00 to receive this rate; Balance: $50,000.00 -$75,000.00
- Oct 5, 20263.16%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Must open a Premier Checking and maintain a minimum average balance of $5,000.00 to receive this rate; Balance: $25,000.00 -$50,000.00
Balance: $750,000 - $999,999.99
Balance: $250,000.00 or more
Balance: $0
Balance: $0
Must open a Premier Checking and maintain a minimum average balance of $5,000.00 to receive this rate; Balance: <$25,000.00
Balance: $200,000 - $499,999
Qualifications Required: Refer to Connect Plus Checking qualifications; Balance: $0.01-$40,0001; Connect Plus Checking required to open Connect Savings. Refer to Connect Plus Checking qualifications, which then apply to Connect Savings.
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.
Wauwatosa, WI Savings Rate Trends
Compare local Wauwatosa, 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 rose 0.046 points over the past 7 days to 1.624% APY, up from 1.578%.
Wisconsin standard savings rates rose 0.032 points over the past 7 days to 0.317% APY, up from 0.285%.
Wauwatosa, 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 1.624% 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 Wauwatosa, Wisconsin.
Savings Account Earnings in Wauwatosa, 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 (1.624% APY) | Monthly Earnings | Standard Savings (0.317% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $81.21 / year | $6.77 | $15.87 / year | $1.32 |
| $10,000 | $162.41 / year | $13.53 | $31.73 / year | $2.64 |
| $25,000 | $406.03 / year | $33.84 | $79.33 / year | $6.61 |
| $50,000 | $812.05 / year | $67.67 | $158.65 / year | $13.22 |
| 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: Wauwatosa, Wisconsin savings rate averages as of October 13, 2026. | ||||
About Our Wauwatosa, Wisconsin Savings Rate Database
MonitorBankRates found 8 institutions with branches in Wauwatosa (6 banks, 2 credit unions), plus 17 additional state-chartered and national online institutions available to Wauwatosa 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: CIT Bank offers a savings account at 3.75% APY with a minimum deposit of $100. Use the rate table above to compare all current offers in Wauwatosa, Wisconsin.
How to Find the Best Savings Rates in Wauwatosa, Wisconsin
What to compare when shopping for a savings account in Wauwatosa, Wisconsin
To find the best savings APYs in Wauwatosa, Wisconsin, start with credit unions and online-only banks: Wauwatosa, 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 1.624% but top local institutions are offering as high as 3.75%, 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. Wauwatosa, Wisconsin high-yield savings rates currently average 1.624% 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 Wauwatosa, Wisconsin institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 25 institutions in Wauwatosa, 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 Wauwatosa, Wisconsin CD rates
- You want check-writing flexibility Wauwatosa, Wisconsin money market rates
- You need daily transaction access Wauwatosa, Wisconsin checking rates
Wauwatosa, Wisconsin Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
17.8% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 2.1% reflects a strong local economy with solid savings capacity. At today’s WI high-yield savings average of 1.624%, saving 10% of the local median salary ($6,113/year) would earn an additional $99 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Wauwatosa, Wisconsin Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Wauwatosa, Wisconsin.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current WI Avg APY | 1.624% | 0.317% | 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 Wauwatosa, Wisconsin averages tracked in our database as of October 13, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Wauwatosa, Wisconsin
At WI’s top rate of 3.75% from CIT Bank, a $10,000 deposit earns $375 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Wauwatosa, Wisconsin earner is roughly $15,300. At 1.624% APY, saving $1,270/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 1.624% 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 Wauwatosa, Wisconsin earner makes $61,138/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 1.624% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 1.624% APY grows to roughly $34,504 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 Wauwatosa, 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 Wauwatosa, 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 Wauwatosa, 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 Wauwatosa, Wisconsin
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Wauwatosa, Wisconsin safe?
How often do savings rates change in Wauwatosa, 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 Wauwatosa, Wisconsin?
How do I open a savings account in Wauwatosa, Wisconsin?
Best Savings Rates in Wauwatosa, Wisconsin
- CIT Bank
Platinum Savings >=: 3.75% APY - US Bank
Bank Smartly Savings Account: 3.50% APY - WaterStone Bank
Life Moments Savings: 3.00% APY - North Shore Bank
Premier Health Savings Account: 3.00% APY - University of Wisconsin Credit Union
IRA Savings: 0.60% APY
Wauwatosa, Wisconsin Rates & Resources
