MonitorBankRates
☰
Home › Checking Accounts › Wisconsin Checking › Manitowoc, Wisconsin iAdvertiser Disclosure
Advertiser Disclosure Some of the institutions listed may have a business relationship with MonitorBankRates. However, our proprietary systems independently track and verify all rates and data displayed. Advertiser relationships do not influence our Health Safety Rating, Star Ratings or Texas Ratio calculation, or the rates shown.

Best Banks & Checking Accounts in Manitowoc, Wisconsin - April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Checking Account Rates — Last Updated and Verified: April 26, 2026

The best checking rates for Manitowoc, Wisconsin include Shoreline Credit UnionShoreline Credit Union4400 Calumet Ave, Manitowoc, WI 54220A+5.0 ★Texas Ratio: 5.83% Hometown Cash Back Checking at 5.00% APY, UnitedOne Credit UnionUnitedOne Credit Union1117 S 10th St, Manitowoc, WI 54220 5211A+5.0 ★Texas Ratio: 0.69% High Yield Checking at 5.00% APY, Fox Communities Credit UnionFox Communities Credit Union4102 Calumet Ave, Manitowoc, WI 54220 5441A+5.0 ★Texas Ratio: 2.46% Non-Profit Checking at 0.20% APY, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% PowerPlusTM Checking Level 2 at 8.00% APY, and PyraMax BankPyraMax BankA+5.0 ★Texas Ratio: 1.33% Hero Checking at 7.50% APY. Checking account rates as of April 26, 2026 according to verified data from MonitorBankRates.

Manitowoc has 3 local institutions in our database, with checking rates as high as 5.00% APY from Shoreline Credit Union at 4400 Calumet Ave, Manitowoc, WI, 54220. Use the tabs below to compare all available checking account types. Rates are continually updated — we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in Manitowoc, Wisconsin. Checking Account Rates Last Updated and Verified: April 26, 2026

Compare Checking Account Rates Today in Manitowoc, Wisconsin & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Shoreline Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.83%
4400 Calumet Ave
Manitowoc, WI 54220
Hometown Cash Back Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

UnitedOne Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
1117 S 10th St
Manitowoc, WI 54220 5211
High Yield Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $7,500.00

Fox Communities Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.46%
4102 Calumet Ave
Manitowoc, WI 54220 5441
Non-Profit Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Fox Communities Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.46%
4102 Calumet Ave
Manitowoc, WI 54220 5441
Non-Profit Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Fox Communities Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.46%
4102 Calumet Ave
Manitowoc, WI 54220 5441
Non-Profit Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Shoreline Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.83%
4400 Calumet Ave
Manitowoc, WI 54220
Worry-FreeTM Hometown Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Shoreline Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.83%
4400 Calumet Ave
Manitowoc, WI 54220
FreshStartTM Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $15000

PyraMax Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
Hero Checking
7.50%
$25
View
▼
Rate7.25%
Min Deposit$25
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

PyraMax Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
MaxInterest Checking
7.50%
$25
View
▼
Rate7.25%
Min Deposit$25
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

Guardian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Assurance Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $500.00

Connexus Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.87%
Xtraordinary Checking
4.50%
$0
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
Premier Checking
4.25%
$0
View
▼
Rate4.17%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifications Met*

The Bank of Brodhead
Institution Rating:
A+5.0 ★ Texas Ratio: 1.11%
Elite Checking1
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

The Bank of New Glarus
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
Premier Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
TruRate Checking
4.00%
$2,000
View
▼
Rate3.93%
Min Deposit$2,000
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $20,000.00

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 1
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $15000

Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
Premier Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifications Met*

Badger Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
19 Month Special (checking account required)
3.67%
$2,500
View
▼
Rate3.60%
Min Deposit$2,500
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Firefighters Credit Union Onalaska, WI
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Checking
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
UnitedOne Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
1117 S 10th St
Manitowoc, WI 54220 5211
High Yield Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $7,500.00

Shoreline Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.83%
4400 Calumet Ave
Manitowoc, WI 54220
Hometown Cash Back Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $15000

PyraMax Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
MaxInterest Checking
7.50%
$25
View
▼
Rate7.25%
Min Deposit$25
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

PyraMax Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
Hero Checking
7.50%
$25
View
▼
Rate7.25%
Min Deposit$25
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

Guardian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Assurance Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $500.00

Connexus Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.87%
Xtraordinary Checking
4.50%
$0
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
Premier Checking
4.25%
$0
View
▼
Rate4.17%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifications Met*

Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
Premier Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifications Met*

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 1
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $15000

The Bank of New Glarus
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
Premier Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

The Bank of Brodhead
Institution Rating:
A+5.0 ★ Texas Ratio: 1.11%
Elite Checking1
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
TruRate Checking
4.00%
$2,000
View
▼
Rate3.93%
Min Deposit$2,000
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $20,000.00

Badger Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
19 Month Special (checking account required)
3.67%
$2,500
View
▼
Rate3.60%
Min Deposit$2,500
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Firefighters Credit Union Onalaska, WI
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Checking
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
Premier Checking
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifications Met*

1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1st Rewards Checking
3.30%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifications Required; Qualifying balance up to $15,000.01

Arcadia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
ACU Supreme Checking
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $15,000.00

River Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
Rewards Checking
3.04%
$50
View
▼
Rate3.00%
Min Deposit$50
Min Balance—
UpdatedApr 22, 2026
Details

Up to $10,000.00

Forward Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
Momentum Checking
3.03%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Qualifications Required; Qualifying balance up to $15,000.00

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Shoreline Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.83%
4400 Calumet Ave
Manitowoc, WI 54220
Hometown Cash Back Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1st Rewards Checking
3.30%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifications Required; Qualifying balance up to $15,000.01

River Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
Rewards Checking
3.04%
$50
View
▼
Rate3.00%
Min Deposit$50
Min Balance—
UpdatedApr 22, 2026
Details

Up to $10,000.00

CO-OP Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
Reward Checking
2.25%
$0
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Fox Valley Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
FVSBank Rewards Plus Checking
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

Dairy State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
Rewards Checking
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

Dairy State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
Rewards Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

Dairy State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
Rewards Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

Ripco Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
Rewards Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Ripco Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
Rewards Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Dairy State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
Rewards Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

First Federal Bank of Wisconsin
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
Rewards Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

Balances over $15,000 earn 0.10% APY*.

River Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
Rewards Checking and Up
0.10%
$500
View
▼
Rate0.10%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details

$10,000.01

Ripco Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
Rewards Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

PyraMax Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
Max Rewards Checking
0.05%
$25
View
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

PyraMax Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
Max Rewards Checking
0.00%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
Rewards Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Shoreline Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.83%
4400 Calumet Ave
Manitowoc, WI 54220
Worry-FreeTM Hometown Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Indianhead Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.50%
Basic Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
Free Community Checking Plus Dividends
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

No additional details provided.

Dairyland Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Free Checking Account
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Wolf River Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Essential Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

$100 to open account. Avoid $3 monthly service charge with eStatements OR direct deposit.

Ripco Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
Everyday Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

CO-OP Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
FREE Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Governmental Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.65%
Basic Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Connexus Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.87%
Teen Checking
2.00%
$0
View
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

The District Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.85%
Teen Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details

No additional details provided.

Ladysmith Federal S&L
Institution Rating:
B4.5 ★ Texas Ratio: 20.88%
Student Checking
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Superior Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
Youth Checking
0.01%
$5
View
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
Moneywise Teen Checking
0.00%
$5
View
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Ripco Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
Teen Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Fox Communities Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.46%
4102 Calumet Ave
Manitowoc, WI 54220 5441
Business Checking Plus
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Fox Communities Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.46%
4102 Calumet Ave
Manitowoc, WI 54220 5441
Business Checking Plus
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Fox Communities Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.46%
4102 Calumet Ave
Manitowoc, WI 54220 5441
Business Checking Plus
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

State Bank of Newburg
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
WOW Business Checking Tier 3: signature debit card trans and over
1.21%
$0
View
▼
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

$5,000

Citizens State Bank Hudson, WI
Institution Rating:
A+5.0 ★ Texas Ratio: 2.89%
Business Interest Checking
0.51%
$0
View
▼
Rate0.51%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

No additional details provided.

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.00%
Premier Business Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Qualifying balance up to $4,999.99

Bank of Luxemburg
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Business Select Plus Checking
0.50%
$0
View
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

State Bank of Newburg
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
WOW Business Checking Tier 2: signature debit card trans
0.45%
$0
View
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

$1,000 - $4,999.99

TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
Capital Business Checking
0.30%
$100
View
▼
Rate0.30%
Min Deposit$100
Min Balance—
UpdatedApr 19, 2026
Details

$12 fee if average daily balance is less than $7,500; First 250 paper/digital transactions are free, $0.20 each thereafter

Dairy State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
Small Business Interest Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
Capital Business Checking
0.25%
$100
View
▼
Rate0.25%
Min Deposit$100
Min Balance—
UpdatedApr 19, 2026
Details

$12 fee if average daily balance is less than $7,500; First 250 paper/digital transactions are free, $0.20 each thereafter

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Premier Business Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
Capital Business Checking
0.20%
$100
View
▼
Rate0.20%
Min Deposit$100
Min Balance—
UpdatedApr 19, 2026
Details

$12 fee if average daily balance is less than $7,500; First 250 paper/digital transactions are free, $0.20 each thereafter

Ladysmith Federal S&L
Institution Rating:
B4.5 ★ Texas Ratio: 20.88%
Business Checking Plus
0.20%
$100
View
▼
Rate0.20%
Min Deposit$100
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Northwestern Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
Business Interest Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

Spring Bank Brookfield, WI
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
Non Profit Business Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

Fort Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
Business Dividend Checking
0.15%
$100
View
▼
Rate0.15%
Min Deposit$100
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

GreenLeaf Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Smart Money Business Checking
0.12%
$0
View
▼
Rate0.12%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
Unlimited Business Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

Unison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
Business Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Manitowoc, WI Checking Rate Trends

Compare local Manitowoc, WI checking rate quotes against the statewide average

Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Wisconsin Checking Trends →
High-Yield Checking — WI Avg
2.417%
▼ 0.068 vs 7 days ago

Wisconsin high-yield checking rates fell 0.068 points over the past 7 days to 2.417% APY.

Free Checking — WI Avg
0.841%
▲ 0.059 vs 7 days ago

Wisconsin free checking rates rose 0.059 points over the past 7 days to 0.841% APY.

As of Apr 28, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Manitowoc, Wisconsin directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Manitowoc, Wisconsin. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in WI.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.

Frequently Asked Questions

Do checking accounts in Manitowoc, Wisconsin earn interest?

Most traditional local checking accounts in Manitowoc, Wisconsin earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in Manitowoc, Wisconsin FDIC insured?

Yes. Legitimate banks with branches in Manitowoc, Wisconsin are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

Best Checking Rates in Manitowoc, Wisconsin

Based on our current data, some of the highest checking account APYs available to residents of Manitowoc, Wisconsin include:
  • Shoreline Credit Union
    Hometown Cash Back Checking — 5.00% APY
  • UnitedOne Credit Union
    High Yield Checking — 5.00% APY
  • Fox Communities Credit Union
    Non-Profit Checking — 0.20% APY
  • Baxter Credit Union
    PowerPlusTM Checking Level 2 — 8.00% APY
  • PyraMax Bank
    Hero Checking — 7.50% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Manitowoc, Wisconsin. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: April 26, 2026

Manitowoc, Wisconsin Rates & Resources

$
Manitowoc, Wisconsin CD Rates
$
Manitowoc, Wisconsin Savings Rates
$
Manitowoc, Wisconsin Money Market Rates
$
Manitowoc, Wisconsin Mortgage Rates
$
Manitowoc, Wisconsin Auto Loan Rates
$
Manitowoc, Wisconsin Personal Loan Rates