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 16–30 results in Madison, WI metro
- 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 - 1.01%APY$101 a year on $10,000
Requirements
Product: Interest paid monthly based on daily compounding.
Offer: Interest paid monthly.
0.00% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for Super Savings Balance APY Up to $10,000 0.00% $10,000 – $50,000Your amount 1.01% $50,000 – $100,000 1.26% $100,000 – $500,000 2.02% $500,000 – $1,000,000 2.79% $1,000,000 and up 3.56% 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 - 1.00%APY$100 a year on $10,000
1.00% interest rate · Effective Oct 14, 2026
Rate checked
More details - One Community BankMoney Market PlusMoney Market Plus · $10,000 min · 0.00%–1.10% by balance
Bank · 8 branches
0.95%APY$95 a year on $10,000Requirements
Product: No monthly service charge. Interest compounds monthly. Six free withdrawals per statement cycle, then $5/withdrawal.
0.00% interest rate · No monthly fee · Effective Sep 21, 2026
Rate by balance
Rate by balance for Money Market Plus Balance APY Up to $9,999 0.00% $10,000 – $34,999Your amount 0.95% $35,000 and up 1.10% 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 · 16 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 - One Community BankRegular Money MarketRegular Money Market · $200 min · 0.10%–1.10% by balance
Bank · 8 branches
0.80%APY$80 a year on $10,000Requirements
Product: Waives the $6 monthly maintenance fee and $1 per withdrawal if $2,500 balance is maintained. Six free withdrawals per statement cycle, then $5/withdrawal. Interest compounds monthly.
Offer: Minimum balance to obtain APY is $0.01. Monthly maintenance fee waived if $2,500 balance maintained.
0.10% interest rate · $6 monthly fee · Effective Sep 21, 2026
Rate by balance
Rate by balance for Regular Money Market Balance APY Up to $2,499 0.10% $2,500 – $9,999 0.40% $10,000 – $49,999Your amount 0.80% $50,000 and up 1.10% 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 - National Exchange Bank & TrustMoney Market AccountMoney Market Account · $0 min · 0.75%–1.86% by balance
Bank · 2 branches
0.75%APY$75 a year on $10,000Requirements
Product: Daily balance of $2500 or more.
0.75% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $25,000Your amount 0.75% $25,000 – $50,000 0.95% $50,000 – $100,000 1.05% $100,000 – $250,000 1.56% $250,000 and up 1.86% Rate checked
More details - Bank of DeerfieldPersonal Advantage Money MarketPersonal Advantage Money Market · $2,500 min · 0.25%–2.53% by balance
Bank · 2 branches
0.60%APY$60 a year on $10,000Requirements
Product: Tiered rate account paying interest on the full balance at the disclosed rate for the tier. Variable rate product where rate and APY may vary after opening. $10.00 monthly maintenance fee waived with a $2,500.00 daily balance.
Offer: Monthly maintenance fee waived with $2,500.00 daily balance.
0.25% interest rate · $10 monthly fee · Effective Sep 18, 2026
Rate by balance
Rate by balance for Personal Advantage Money Market Balance APY Up to $10,000 0.25% $10,000 – $50,000Your amount 0.60% $50,000 – $100,000 1.26% $100,000 – $250,000 1.76% $250,000 – $500,000 2.27% $500,000 and up 2.53% Rate checked
More details - Wings Credit UnionMoney Market SavingsMoney Market Savings · $2,500 min · 0.10%–1.60% by balance
Credit union · 2 branches
0.60%APY$60 a year on $10,000Requirements
Product: Membership required. Insured by NCUA. Minimum actual balance required to open is $2,500. Pay no monthly fees or minimum balance fee.
0.10% interest rate · No monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $2,500 0.10% $2,500 – $10,000 0.15% $10,000 – $25,000Your amount 0.60% $25,000 – $50,000 0.80% $50,000 – $100,000 1.00% $100,000 – $250,000 1.30% $250,000 and up 1.60% Rate checked
More details - WEA Credit UnionMoney MarketMoney Market · $2,000 min · 0.47%–1.25% by balance
Credit union · 1 branch
0.55%APY$55 a year on $10,000Requirements
Product: Variable rate; tiered dividend rate paid based on daily balance; $2,000 minimum balance to earn dividends; limit of 6 withdrawals per month.
Offer: Tier 1; $2,000 minimum to earn dividends; limit of 6 withdrawals per month; variable rate; dividends compounded/credited monthly.
0.47% interest rate
Rate by balance
Rate by balance for Money Market Balance APY $2,000 – $10,000 0.47% $10,000 – $25,000Your amountTier 2; 0.55% $25,000 – $100,000Tier 3; 1.00% $100,000 and upTier 4; 1.25% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Basic savings account. No monthly fee with any active loan or other deposit account, minimum balance of $1,000, primary owner under age 18, or safe deposit box lease; otherwise $5 monthly fee. Compounded daily, paid monthly.
Offer: Dividends earned on all days with a balance of $100 or more. Variable rate. Compounded daily, paid monthly.
0.50% interest rate · Compounded daily · $5 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 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%
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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