Compare Bank & Credit Union Rates
Best high-yield savings rates
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Madison, WI metro
- UMB BankUMB Retail Money MarketUMB Retail Money Market · $0 min · 0.10%–3.71% by balance
Bank · 4 branches
3.71%APY$371 a year on $10,000Requirements
Product: Interest rates and annual percentage yields (APYs) listed are for accounts opened online. Interest paid on tiered balances; debit card access; monthly service fee waiver option.
Offer: Tier I
0.10% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for UMB Retail Money Market Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amountTier II 3.71% $25,000 – $50,000Tier III 3.71% $50,000 – $75,000Tier IV 3.71% $75,000 – $100,000Tier V 3.71% $100,000 – $1,000,000Tier VI 3.71% $1,000,000 and upTier VII 3.71% Rate checked
More details - Associated BankAssociated Select Money MarketAssociated Select Money Market · $1,000 min
Bank · 13 branches
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 - 3.00%APY$300 a year on $10,000intro rate
Requirements
Product: Promotional rate effective for 10 months from opening date of new Money Market account. Rate may change after account is opened. Reverts to standard rate for balance tier after the 10-month introductory period. Membership required.
Offer: Promotional rate effective for 10 months from opening date of new Money Market account; minimum opening deposit $10,000; minimum balance to earn dividends $10,000.
Promotional rate · 2.96% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.00%APY$300 a year on $10,000intro rate
Requirements
Product: Requires $1,500 minimum opening deposit. Must maintain a balance of $1,500 or more each day of the month to obtain the advertised APY.
Offer: To obtain advertised APY, maintain balance of $1,500 or more each day of month. Promotional rate effective from open date until 12/31/2026; offer available from 11/17/25 to 12/31/25. Standard rates/tiers apply after.
Promotional rate
Rate checked
More details - UW Credit UnionInvestor's Indexed Money MarketInvestor's Indexed Money Market · $10,000 min · 2.93%–3.23% by balance
Credit union · 17 branches
2.93%APY$293 a year on $10,000Requirements
Product: Dividends are earned on all days with a balance of $10,000 or more. A $15 monthly service fee applies if $10,000 balance is not maintained all days of the month. Compounded daily and paid monthly.
Offer: Dividends are earned on all days with a balance of $10,000 or more. $15 monthly service fee applies if $10,000 balance is not maintained all days of the month. Dividend rate may change weekly based on an index between 70% and 130% of the 3-month CMT rate; APY will be no less than index minus 1.10%. Compounded daily and paid monthly.
2.89% interest rate · Compounded daily · $15 monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for Investor's Indexed Money Market Balance APY $10,000 – $49,999Your amount 2.93% $50,000 – $99,999APY will be no less than index minus 1.0%. 3.03% $100,000 – $249,999APY will be no less than index minus 0.90%. 3.13% $250,000 and upAPY will be no less than index minus 0.80%. 3.23% 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 - 2.25%APY$225 a year on $10,000
Requirements
Product: Must be enrolled in eStatements by end of month to earn dividends. Available exclusively to consumer members (business, fiduciary, minor, estate, trust accounts not eligible). Must be opened online via Dupaco's Online Application; limited to one account per SSN. Account balance limited to $1,000,000 inclusive of principal and dividend accruals.
Offer: Requires enrollment in eStatements to receive dividends. Online-only account.
2.23% interest rate · Balance cap $1,000,000 · No monthly fee · Effective Jun 2, 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 - UW Credit UnionInvestor's Advantage Money MarketInvestor's Advantage Money Market · $100 min · 0.50%–2.57% by balance
Credit union · 17 branches
1.61%APY$161 a year on $10,000Requirements
Product: Rates are variable and may change after the account is opened. Compounded daily and paid monthly. No monthly fee or minimum balance required to earn dividends.
Offer: Variable rate. Compounded daily and paid monthly. No monthly fee.
0.50% interest rate · Compounded daily · No monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for Investor's Advantage Money Market Balance APY Up to $2,499 0.50% $2,500 – $7,499 0.70% $7,500 – $9,999 1.00% $10,000 – $24,999Your amount 1.61% $25,000 – $49,999 2.09% $50,000 and up 2.57% Rate checked
More details - Associated BankAssociated Select Money MarketAssociated Select Money Market · $1,000 min
Bank · 13 branches
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 - WCCU Credit UnionMoney ManagementSavings · $2,500 min · 1.25%–2.25% by balance
Credit union · 1 branch
1.30%APY$130 a year on $10,000Requirements
Offer: Rate applies for balances $2,500 or more; dividends paid monthly.
1.24% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Management Balance APY $2,500 and up 1.25% $10,000 and upYour amount 1.30% $25,000 and up 1.55% $100,000 and up 2.05% $250,000 and up 2.25% 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 Madison, WI metro
123 accounts at 44 banks and credit unions · checked Oct 16–22
- Typical
- 0.15%
- Top 10% from
- 1.49%
- Banks, typical
- 0.10%
- Credit unions, typical
- 0.19%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Madison, WI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- UW Credit UnionCredit union · 17 branches
- Marine Credit UnionCredit union · 2 branches
- Blackhawk Community Credit UnionCredit union · 1 branch