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 Oshkosh, WI
- Associated BankAssociated Select Money MarketAssociated Select Money Market · $1,000 min
Bank · 3 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 $10,000with conditions
Requirements
Product: Must have a Connect Plus Checking to open Connect Savings. Connect Plus Checking qualifications apply to Connect Savings. For individual accounts only. Dividends are compounded monthly. Fees may reduce earnings.
Offer: Applies when monthly qualifications are not met.
Qualified rate · 0.10% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Connect Savings Balance APY Any balance 0.10% Up to $40,000Your amountApplies when Connect Plus Checking qualifications are met. 3.00% $40,000 and up 0.10% 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 · 1 branch
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 - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Variable rate account with no minimum balance requirements and no monthly fees. Must have an active Fox Rewards Checking account with the same ownership type, meet all monthly earning requirements for Fox Rewards Checking, and consent to receive eStatements with a valid email address on file. If monthly qualifications are not met, earnings are reduced.
Offer: To qualify during the dividend period: consent and receive statements electronically with a valid email address on file, have a Fox Rewards Checking account with the same ownership type, and meet all monthly earning requirements for Fox Rewards Checking. No monthly fee.
Qualified rate · 1.98% interest rate · No monthly fee · Effective Oct 15, 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 · 1 branch
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 · 3 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 - Nicolet National BankMVP Money Market Account (MVP MMA)MVP Money Market Account (MVP MMA) · $10,000 min · 0.01%–2.65% by balance
Bank · 1 branch
1.30%APY$130 a year on $10,000with conditionsRequirements
Product: A separate Nicolet National Bank checking account with direct deposit of payroll or social security is required in order to qualify for an MVP Money Market account. Subject to Credit Approval.
Offer: $10 monthly service charge if available balance falls below $10,000.
Qualified rate · 0.01% interest rate · $10 monthly fee · Effective Sep 23, 2026
Rate by balance
Rate by balance for MVP Money Market Account (MVP MMA) Balance APY Up to $9,999 0.01% $10,000 – $49,999Your amount 1.30% $50,000 – $149,999 2.10% $150,000 – $499,999 2.15% $500,000 – $999,999 2.45% $1,000,000 and up 2.65% 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 - Horicon BankMoney Market - PersonalMoney Market - Personal · $5,000 min · 1.06%–2.48% by balance
Bank · 1 branch
1.06%APY$106 a year on $10,000Requirements
Product: Rates are variable and subject to change without notice. $25 monthly service charge waived if minimum balance of $5,000 is maintained. Transfers/withdrawals limited to 6 per month for preauthorized/automatic transfers, telephone, checks, drafts, or debit cards; unlimited in person, by messenger, mail, or ATM. Interest credited and compounded monthly on daily collected balance.
Offer: Monthly service charge waived if minimum balance is maintained. Earns current interest rate if balance falls below minimum requirement.
1.05% interest rate · Compounded monthly · $25 monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Money Market - Personal Balance APY Up to $100,000Your amount 1.06% $100,000 – $250,000 1.56% $250,000 – $500,000 1.82% $500,000 – $1,000,000 2.12% $1,000,000 – $5,000,000 2.32% Over $5,000,000 2.48% 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 - Fox Communities Credit UnionFox Rewards Money MarketFox Rewards Money Market · $0 min · 1.00%–3.75% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000with conditionsRequirements
Product: Tiered variable rate account requiring an average daily balance of $15,000 or more during each dividend period. Requires Fox Rewards Checking with same ownership, meeting monthly earning qualifications for checking, eStatements, and valid email address. If qualifications are not met, earnings are reduced. Membership required ($5 Membership Share). No monthly fees.
Offer: Qualifications met: have Fox Rewards Checking with same ownership, meet monthly checking qualifications, enroll in eStatements with valid email.
Qualified rate · 1.00% interest rate · No monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Fox Rewards Money Market Balance APY Up to $15,000Your amount 1.00% $15,000 – $100,000 3.50% $100,000 – $500,000 3.50% $500,000 – $1,000,000 3.50% $1,000,000 and up 3.75% Rate checked
More details - Verve, a Credit UnionVerve Optimum Money MarketVerve Optimum Money Market · $5,000 min · 0.75%–3.24% by balance
Credit union · 4 branches
0.99%APY$99 a year on $10,000with conditionsRequirements
Product: Tiered rate account. Dividends compound and credit monthly. Minimum daily balance of $5,000.00 to earn dividends. Once a particular balance tier is met, the rate applies to the full balance. Higher bundled APYs require an open Verve Optimum Checking account with qualifying monthly aggregate ACH direct deposits totaling $1,000 or greater, a valid email address on file, and enrollment in eStatements. If qualifications are not met or the account is non-bundled, non-qualified rates apply. Membership requires purchasing and maintaining at least one $5.00 par value share in a Verve Ownership Share Account.
Offer: Qualified rate: Requires bundling with qualifying Verve Optimum Checking with monthly aggregate ACH direct deposits of $1,000+, valid email, and eStatements.
Qualified rate · 0.75% interest rate · No monthly fee · Effective Jan 13, 2026
Rate by balance
Rate by balance for Verve Optimum Money Market Balance APY $5,000 – $10,000 0.75% $10,000 – $20,000Your amount 0.99% $20,000 – $40,000 1.49% $40,000 – $75,000 2.24% $75,000 – $125,000 2.75% $125,000 – $200,000 2.99% $200,000 and up 3.24% 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 Oshkosh, WI
68 accounts at 20 banks and credit unions · checked Oct 16–17
- Typical
- 0.20%
- Top 10% from
- 1.73%
- Banks, typical
- 0.20%
- Credit unions, typical
- 0.20%
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Oshkosh, WI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Community First Credit UnionCredit union · 10 branches
- Evergreen Credit UnionCredit union · 1 branch
- Capital Credit UnionCredit union · 2 branches