Compare Bank & Credit Union Rates
Best savings rates in Racine, 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 Racine, WI
- 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 - 2.00%APY$200 a year on $10,000
Requirements
Product: New money only. Variable rate.
Offer: With qualifying activities: open new Statement Savings Advanced account, mention offer during in-branch opening or visit URL provided, and deposit new money at account opening. Minimum daily balance of $0.01 required to obtain APY. $200 daily minimum balance to avoid a $5 monthly maintenance fee. No minimum to open. New money only. May not be available at all locations.
$5 monthly fee · Effective Feb 27, 2026
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 $10,000
Requirements
Product: Monthly maintenance fee of $15 is waived with a $1,000 minimum daily balance.
Offer: $15 monthly maintenance fee waived with $1,000 minimum daily balance.
1.49% interest rate · $15 monthly fee · Effective Oct 1, 2026
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 - North Shore BankPremier Money MarketPremier Money Market · $25 min · 1.00%–3.00% by balance
Bank · 2 branches
1.00%APY$100 a year on $10,000Requirements
Product: Monthly maintenance fee is $0 or $20; waived with a $15,000 minimum daily balance.
Offer: Monthly maintenance fee waived with a $15,000 minimum daily balance.
1.00% interest rate · $20 monthly fee
Rate by balance
Rate by balance for Premier Money Market Balance APY Up to $25,000Your amount 1.00% $25,000 – $100,000 1.50% $100,000 – $250,000 2.75% $250,000 – $500,000 3.00% $500,000 and up 3.00% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 2 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 - 0.51%APY$51 a year on $10,000
Requirements
Product: Available only to IBEW members in Wisconsin and Michigan.
Offer: IBEW members in Wisconsin and Michigan only. Minimum amount of $100 is the minimum account balance to earn dividends/interest.
0.51% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.51%APY$51 a year on $10,000with conditions
Requirements
Product: Must have a checking account and be signed up for eStatements to open. Rounds up non-PIN debit card purchases to the next dollar and saves the difference.
Offer: Must have a checking account and be signed up for eStatements.
Qualified rate · 0.51% interest rate · Effective Oct 1, 2026
Rate checked
More details - Associated BankAssociated Select Money MarketAssociated Select Money Market · $1,000 min
Bank · 1 branch
0.50%APY$50 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: Platinum Choice enhanced rate tier. Requires meeting and maintaining Platinum 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 · 0.50% interest rate · $16 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.35%APY$35 a year on $10,000
Requirements
Product: Monthly minimum balance fee of $15.00 waived by maintaining an average balance of $1,500.00 OR maintaining a combined average balance of $5,000.00 in related linked Tri City National Bank checking, savings, and/or money market accounts. Paper statements are $3/month (waived if primary owner 65 or older). Up to 6 account withdrawals per statement cycle at no charge ($6 excessive withdrawal fee each thereafter, max $30/cycle). Variable rates subject to change.
Offer: Tier: Below $1,500.00
0.01% interest rate · $15 monthly fee · Effective Oct 7, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $1,500 0.01% $1,500 – $10,000 0.30% $10,000 – $50,000Your amount 0.35% $50,000 – $100,000 0.60% $100,000 and up 1.10% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.05%–2.50% by balance
Bank · 2 branches
0.30%APY$30 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: Standard APY for balances less than $5,000. Monthly maintenance fee waived for first 60 days or with a $5,000 minimum daily balance.
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 0.05% $5,000 – $25,000Your amount 0.30% $25,000 – $100,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 0.65% $100,000 – $250,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 1.70% $250,000 and upMonthly maintenance fee waived with a $5,000 minimum daily balance. 2.50% Rate checked
More details - Johnson BankSignature Money MarketSignature Money Market · $1,000 min · 0.01%–3.50% by balance
Bank · 1 branch
0.30%APY$30 a year on $10,000with conditionsRequirements
Product: Minimum age to open is 18. Monthly cycle maintenance fee of $25 waived if $1,000 minimum daily ledger balance, $10,000 average monthly cycle ledger balance, or $20,000 combined related aggregate ledger balance (deposits) is met.
Offer: Variable rate. Simple interest compounding, paid monthly. Monthly fee waived with $1,000 minimum daily ledger balance, $10,000 average monthly cycle ledger balance, or $20,000 combined related aggregate ledger balance.
Qualified rate · 0.01% interest rate · $25 monthly fee · Effective Oct 4, 2026
Rate by balance
Rate by balance for Signature Money Market Balance APY Up to $1,000 0.01% $1,000 – $10,000 0.20% $10,000 – $25,000Your amount 0.30% $25,000 and upDeposit Rate Special effective August 24, 2026 thru October 30, 2026 for consumer accounts. Requires $25,000 or more in new money (or an existing eligible account with expiring 6-month promotional rate of 3.24%) and maintaining an eligible checking account relationship. Fixed rate locked for 9 months. 3.50% $100,000 – $250,000 0.85% $250,000 and up 0.95% 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 Racine, WI
30 accounts at 10 banks and credit unions · checked Oct 16
- Typical
- 0.28%
- Top 10% from
- 2.00%
- Banks, typical
- 0.30%
- Credit unions, typical
- 0.11%
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Racine, WI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Racine Municipal Employees Credit UnionCredit union · 1 branch
- Marine Credit UnionCredit union · 1 branch
- North Shore BankBank · 4 branches