Compare Bank & Credit Union Rates
Best savings rates in Janesville, WI
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Janesville, WI
- 3.75%APY$375 a year on $10,000with conditions
Requirements
Product: Minimum $10,000 average daily balance is required to earn dividends. No minimum balance to open.
Offer: Requires account activity to meet Advantage Plus Rewards qualifications and a daily balance of $10,000 or above.
Qualified rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - Associated BankAssociated Select Money MarketAssociated Select Money Market · $1,000 min
Bank · 1 branch
3.20%APY$320 a year on $10,000with conditionsRequirements
Product: Features tiered interest rates and enhanced rate tiers when combined with qualifying Associated Choice Checking relationship tiers (Platinum Choice, Emerald Choice, Emerald Private Choice). Monthly maintenance fee of $16 is waived with a minimum daily balance of $1,000.
Offer: Emerald Private Choice enhanced rate tier. Requires meeting and maintaining Emerald Private Choice benefit tier qualifications on an Associated Choice Checking account. $16 monthly maintenance fee waived with a minimum daily balance of $1,000.
Qualified rate · 3.15% interest rate · $16 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 2.84%APY$284 a year on $10,000
Requirements
Product: Tiered-rate account: interest is calculated on the entire balance each day at the rate in effect for the balance tier. Compounded and paid monthly. First monthly withdrawal is free; $25.00 fee per withdrawal exceeding one per month.
Offer: Tier applies to balances from $0 to $9,999.99. 1 free withdrawal per month, $25 for each additional withdrawal.
0.25% interest rate · No monthly fee · Effective Sep 29, 2026
Rate by balance
Rate by balance for High Yield Savings Balance APY Up to $10,000 0.25% $10,000 and upYour amount 2.84% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Relationship rate for Combined Qualifying Balance (CQB) under $5,000. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card).
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for U.S. Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amount 2.00% $25,000 – $50,000 3.50% $50,000 – $100,000 3.50% $100,000 – $99,999,999,999 3.50% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).
Offer: Relationship rate for CQB Under $5,000. Requires qualifying relationship product.
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amountRelationship rate for CQB $5,000 to $24,999.99. 2.00% $25,000 – $50,000Relationship rate for CQB $25,000 to $49,999.99. 3.50% $50,000 – $100,000Relationship rate for CQB $50,000 to $99,999.99. 3.50% $100,000 and upRelationship rate for CQB $100,000 and above. 3.50% Rate checked
More details - Associated BankAssociated Select Money MarketAssociated Select Money Market · $1,000 min
Bank · 1 branch
1.60%APY$160 a year on $10,000with conditionsRequirements
Product: Features tiered interest rates and enhanced rate tiers when combined with qualifying Associated Choice Checking relationship tiers (Platinum Choice, Emerald Choice, Emerald Private Choice). Monthly maintenance fee of $16 is waived with a minimum daily balance of $1,000.
Offer: Emerald Choice enhanced rate tier. Requires meeting and maintaining Emerald Choice benefit tier qualifications on an Associated Choice Checking account. $16 monthly maintenance fee waived with a minimum daily balance of $1,000.
Qualified rate · 1.58% interest rate · $16 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 1.50%APY$150 a year on $10,000with conditions
Requirements
Product: Available with any FirstCCU Checking Account. No minimum balance required to earn APY. Excessive withdrawal fee of $3.00 per withdrawal after 1 free per year.
Offer: Must have a FirstCCU Checking Account.
Qualified rate · 1.49% interest rate
Rate checked
More details - 1.45%APY$145 a year on $10,000
Requirements
Product: Allows members to earn a higher interest rate with liquidity and flexibility.
Offer: Minimum balance of $10,000 to avoid monthly service fee. Dividends are compounded daily and paid quarterly.
1.44% interest rate · Compounded daily
Rate checked
More details - 1.16%APY$116 a year on $10,000with conditions
Requirements
Product: Requires an active Bank First checking account with direct deposit. Limit ten (10) debit transactions per statement cycle; transactions in excess of 10 incur a $5.00 fee each.
Offer: Zero or minimal interest paid on the lowest tier; no service charge if balance drops below $10,000.00. Requires active Bank First checking account with direct deposit.
Qualified rate · 0.00% interest rate · No monthly fee
Rate by balance
Rate by balance for Money Market Elite Balance APY Up to $10,000 0.00% $10,000 – $50,000Your amount 1.16% $50,000 – $100,000 1.66% $100,000 and up 1.92% Rate checked
More details - 1.00%APY$100 a year on $10,000with conditions
Requirements
Product: An active Bank First checking account with direct deposit is required to maintain this account. Limited to 10 debit transactions per statement cycle when statements are monthly and 30 when quarterly. Compounded quarterly at a variable rate.
Offer: Requires Bank First checking with direct deposit.
Qualified rate · 0.00% interest rate · Compounded quarterly
Rate by balance
Rate by balance for Savings Elite Balance APY Up to $2,500 0.00% $2,500 – $10,000 0.50% $10,000 – $25,000Your amount 1.00% $25,000 – $100,000 1.41% $100,000 and up 1.66% Rate checked
More details - Educators CUPremium Money MarketPremium Money Market · $10,000 min · 1.00%–3.00% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Minimum to open account is $10,000. Account balance cannot drop below $10,000 (if it drops below $10,000, the share will be closed and money transferred).
Offer: Account balance cannot drop below $10,000.
1.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Premium Money Market Balance APY $10,000 – $50,000Your amount 1.00% $50,000 – $75,000 2.58% $75,000 – $100,000 2.67% $100,000 – $250,000 2.80% $250,000 and up 3.00% Rate checked
More details - First Community Credit UnionProsper Max Money Market (Insured)Prosper Max Money Market (Insured) · $1,000 min · 0.90%–2.85% by balance
Credit union · 1 branch
0.90%APY$90 a year on $10,000Requirements
Product: Deposits insured up to $2 million through NCUA basic federal coverage ($250,000) plus Excess Share Insurance Corporation (ESI) (additional $1,750,000). Up to 6 fee-free withdrawals per month, $5.00 per excessive withdrawal thereafter.
Offer: Minimum balance to earn APY: $1,000.00 - $24,999.99
0.90% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Prosper Max Money Market (Insured) Balance APY $1,000 – $25,000Your amount 0.90% $25,000 – $50,000 1.30% $50,000 – $100,000 2.00% $100,000 – $250,000 2.35% $250,000 – $1,000,000 2.65% $1,000,000 and up 2.85% Rate checked
More details - First Community Credit UnionProsper Money MarketProsper Money Market · $1,000 min · 0.90%–2.85% by balance
Credit union · 1 branch
0.90%APY$90 a year on $10,000Requirements
Product: Tiered dividend rates reward higher balances. Up to 6 fee-free withdrawals per month, $3.00 per excessive withdrawal thereafter.
Offer: Minimum balance to earn APY: $1,000.00 - $24,999.99
0.90% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Prosper Money Market Balance APY $1,000 – $25,000Your amount 0.90% $25,000 – $50,000 1.30% $50,000 – $100,000 2.00% $100,000 – $250,000 2.35% $250,000 – $1,000,000 2.65% $1,000,000 and up 2.85% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 3 branches
0.80%APY$80 a year on $10,000with conditionsRequirements
Product: $10 monthly maintenance fee is waived for 60 days after account opening or if you hold a minimum daily balance of $5,000. Requires a $25 minimum opening deposit. Variable rate account.
Offer: Relationship rate (Amplify your APY) for balances less than $5,000. Requires being an Account Owner of both a Growth Money Market account and a BMO Relationship Checking account with qualifying activities.
Qualified rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Money Market Account Balance APY Up to $5,000 0.55% $5,000 – $25,000Your amount 0.80% $25,000 – $100,000 1.16% $100,000 – $250,000 2.21% $250,000 and up 3.01% Rate checked
More details - 0.75%APY$75 a year on $10,000
Requirements
Product: Option to set up account with custodial (WUTMA) management. $5 minimum balance fee if average daily balance falls below $100; waived if the primary account holder is 19 years old or younger. $5 paper statement fee waived with eStatements.
Offer: Daily balance (the amount of principal in the account each day) to obtain APY. Monthly activity fee is $0. $5 minimum balance fee if average daily balance falls below $100 (waived if primary account holder is 19 or younger). Paper statement fee of $5 waived with eStatements.
0.75% interest rate · No monthly fee
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What savings accounts pay in Janesville, WI
61 accounts at 16 banks and credit unions · checked Oct 6–16
- Typical
- 0.17%
- Top 10% from
- 1.50%
- Banks, typical
- 0.15%
- Credit unions, typical
- 0.19%
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Janesville, WI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Blackhawk Community Credit UnionCredit union · 7 branches
- Educators CUCredit union · 2 branches