West Allis, Wisconsin Savings Rates - October 2026
Brian McKay
Brian McKay
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West Allis, Wisconsin savings account rates range from 0.01% to 10.00% APY, verified by MonitorBankRates as of October 12, 2026. The best savings rates for West Allis, Wisconsin and the surrounding area include WaterStone BankWaterStone Bank10101 W Greenfield Ave, West Allis, WI 53214A+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 Bank10539 W National Ave, West Allis, WI 53227A+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, Advia Credit UnionAdvia Credit Union11333 W Greenfield Ave, West Allis, WI 53214A+5.0 ★Texas Ratio: 5.38%Real return: -0.80%APY minus 2.8% CPI (February 2026) Health Savings Account (HSA) at 2.00% APY, Educators Credit UnionEducators Credit Union10635 W Greenfield Ave, West Allis, WI 53214A+5.0 ★Texas Ratio: 4.30%Real return: -2.04%APY minus 2.8% CPI (February 2026) HSA (Health Savings Account) at 0.76% APY, and University of Wisconsin Credit UnionUniversity of Wisconsin Credit Union2525 S 108th St, West Allis, WI 53227A+5.0 ★Texas Ratio: 3.38%Real return: -2.20%APY minus 2.8% CPI (February 2026) IRA Savings at 0.60% APY.
West Allis has 55 local institutions in our database, with savings rates as high as 3.00% APY from WaterStone Bank at 10101 W Greenfield Ave, West Allis, WI 53214. 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 West Allis, Wisconsin and the surrounding area. Last Updated and Verified: October 12, 2026
Compare the Best Savings Rates in West Allis, Wisconsin & Surrounding Communities
Balance: Below $5,000.01
Balance: $100,000-249,999.99
Balance: $25,000-99,999.99
Save for future medical expenses tax-free with an HSA from Advia. Enjoy the peace of mind that comes with a triple tax advantage on qualified healthcare costs. Competitive interest rates; Free HSA Debit Card
Balance: All balances
Balance: $0-24,999.99
After the promotional period, a minimum $1,000 average daily balance is required to earn dividends; the standard tiered rates will apply: $0-$999=0.00% APY, $1,000-$99,999=0.35% APY; $250,000+=1.00% APY. No additional Advantage Plus Rewards rate incentives may be applied. Visit adviacu.org for more details. See our Service Charges for minimum balance fee.
An HSA has a $25 set-up fee.
Balance: $1,000 minimum balance; Get more from your money with progressive rates that grow as your balance does. Money Market Savings is a strong choice for members with larger balances who want more earning power without giving up flexibility. Interest paid monthly; Progressive rates
A Uniform Transfer to Minors Act (UTMA) account lets you save on behalf of a child with a custodial account. Works like a savings account for kids, giving you tax-advantaged custodial control until they reach the age of majority. Earns quarterly dividends on balances of $5.00 or more; Save for education expenses; No limit to number or amount of financial contributions
- Oct 9, 20260.60%▲ from 0.45%
- Sep 14, 20260.45%first recorded
IBEW members in Wisconsin and Michigan Only.
A minimum $1,000 daily balance is required to earn dividends. The following tiered rates will apply: $1,000-$24,999 = 0.40% APY; $25,000-$74,999 = 0.50% APY; $75,000+ = 0.60% APY.
- Oct 9, 20260.50%▼ from 0.60%
- Sep 14, 20260.60%first recorded
Personal, Youth, Business, Organization
- Oct 9, 20260.50%▲ from 0.35%
- Sep 14, 20260.35%first recorded
A minimum $1,000 daily balance is required to earn dividends. The following tiered rates will apply: $1,000-$24,999 = 0.40% APY; $25,000-$74,999 = 0.50% APY; $75,000+ = 0.60% APY.
- Oct 9, 20260.40%▼ from 0.60%
- Sep 14, 20260.60%first recorded
After the promotional period, a minimum $1,000 average daily balance is required to earn dividends; the standard tiered rates will apply: $0-$999=0.00% APY, $1,000-$99,999=0.35% APY; $250,000+=1.00% APY. No additional Advantage Plus Rewards rate incentives may be applied. Visit adviacu.org for more details. See our Service Charges for minimum balance fee.
Balance: $50,000.00 or more
Balance: $25,000.00 - $49,999.99
Balance: $10,000.00 - $24,999.99
Balance: $0-4,999.99
Save all year for holiday gifts, travel, and seasonal spending. Your Holiday Club balance automatically transfers on November 1, right when you need it. Higher interest rate; No monthly fee
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
Only open to Wisconsin, Illinois and Minnesota residents. Fiduciary and business accounts are not eligible. For all the account disclosures, please go to www.ecu.com/sweepstakes.
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: $999.99 or less
Balance: $999.99 or less
Account activity that does not meet Advantage Plus qualifications will earn an APY of 0.05%. A minimum $10,000 average daily balance is required to earn dividends. No minimum balance to open. See adviacu.org/APlus for qualifications.
- Sep 18, 20260.05%▼ from 3.50%
- Sep 14, 20263.50%first recorded
Pays dividends quarterly on balances of $500+; Optional overdraft for Checking
Organize your money by goal with a Secondary Savings account. Great for building an emergency fund , saving for a vacation, or splitting savings across multiple goals. Earn interest quarterly on balances of $500+; 24/7 access within Digital Banking
Balance: $10,000+
When linked to Prime Checking. Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
- Oct 7, 20260.02%▲ from 0.01%
- Sep 27, 20260.01%▼ from 0.02%
- Sep 18, 20260.02%first recorded
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
- Sep 27, 20260.01%▼ from 0.02%
- Sep 18, 20260.02%first recorded
Balance: $0+
Balance: $1.00 - $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: $0 - $5,000.00
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.
Term: Until maturity of October 31, 2026; For a limited time; Interest credited at maturity; Maximum deposit of $500 per month; Funds automatically released via direct deposit or check after maturity; Includes digital banking services: Free online banking, Free mobile banking, Free eStatements; Only one personal account per tax identification number.
Balance: $0 - $5,000.00*
Balance: $0 - $1,000
If your daily balance is $500 or less - 5.00% Annual Percentage Yield (APY).No; For more than one withdrawal per month, you will be charged $1.00 per withdrawal.
- Oct 7, 20265.00%▲ from 2.50%
- Sep 29, 20262.50%first recorded
Balance: $0-500; Tier 1; Compounding: Quarterly
Balance: $0-500; Tier 1; Compounding: Quarterly
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+
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.
West Allis, WI Savings Rate Trends
Compare local West Allis, 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%.
West Allis, 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 West Allis, Wisconsin.
Savings Account Earnings in West Allis, 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: West Allis, Wisconsin savings rate averages as of October 13, 2026. | ||||
About Our West Allis, Wisconsin Savings Rate Database
MonitorBankRates found 11 institutions with branches in West Allis (6 banks, 5 credit unions), plus 16 additional state-chartered and national online institutions available to West Allis 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: WaterStone Bank offers a savings account at 3.00% APY with a minimum deposit of $100. Use the rate table above to compare all current offers in West Allis, Wisconsin.
How to Find the Best Savings Rates in West Allis, Wisconsin
What to compare when shopping for a savings account in West Allis, Wisconsin
To find the best savings APYs in West Allis, Wisconsin, start with credit unions and online-only banks: West Allis, 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 1.624% but top local institutions are offering as high as 3.00%, 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. West Allis, 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 West Allis, Wisconsin institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 27 institutions in West Allis, 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 West Allis, Wisconsin CD rates
- You want check-writing flexibility West Allis, Wisconsin money market rates
- You need daily transaction access West Allis, Wisconsin checking rates
West Allis, Wisconsin Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
17.3% of residents are 65 or older, in line with the national average of 17.3%. At today’s WI high-yield savings average of 1.624%, saving 10% of the local median salary ($4,705/year) would earn an additional $76 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other West Allis, Wisconsin Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in West Allis, 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 West Allis, 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 West Allis, Wisconsin
At WI’s top rate of 3.00% from WaterStone Bank, a $10,000 deposit earns $300 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median West Allis, Wisconsin earner is roughly $11,800. At 1.624% APY, saving $980/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 West Allis, Wisconsin earner makes $47,053/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 West Allis, 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 West Allis, 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 West Allis, 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 West Allis, Wisconsin
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in West Allis, Wisconsin safe?
How often do savings rates change in West Allis, 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 West Allis, Wisconsin?
How do I open a savings account in West Allis, Wisconsin?
Best Savings Rates in West Allis, Wisconsin
- WaterStone Bank
Life Moments Savings: 3.00% APY - North Shore Bank
Premier Health Savings Account: 3.00% APY - Advia Credit Union
Health Savings Account (HSA): 2.00% APY - Educators Credit Union
HSA (Health Savings Account): 0.76% APY - University of Wisconsin Credit Union
IRA Savings: 0.60% APY
West Allis, Wisconsin Rates & Resources
