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

Content reviewed by
Brian McKay Brian McKay
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Brian McKay

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| 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: May 21, 2026

The best checking rates for Manitowoc, Wisconsin include UnitedOne Credit UnionUnitedOne Credit Union1117 S 10th St, Manitowoc, WI 54220 5211A+5.0 ★Texas Ratio: 0.67% High Yield Checking at 5.00% APY, Fox Communities Credit UnionFox Communities Credit Union4102 Calumet Ave, Manitowoc, WI 54220 5441A+5.0 ★Texas Ratio: 2.38% Fox Rewards Checking at 5.00% APY, Shoreline Credit UnionShoreline Credit Union4400 Calumet Ave, Manitowoc, WI 54220A+5.0 ★Texas Ratio: 5.73% Hometown Cash Back Checking at 5.00% APY, Community First Credit UnionCommunity First Credit Union1100 S 30th St, Manitowoc, WI 54220A+5.0 ★Texas Ratio: 0.80% Member's Choice Checking at 0.30% APY, and Bank First, NABank First, NA402 N 8th St, Manitowoc, WI 54220A+5.0 ★Texas Ratio: 0.91% Military First Interest Checking at 0.25% APY. Checking account rates as of May 21, 2026 according to verified data from MonitorBankRates.

Manitowoc has 5 local institutions in our database, with checking rates as high as 5.00% APY from UnitedOne Credit Union at 1117 S 10th St, Manitowoc, WI, 54220 5211. 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: May 21, 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
UnitedOne Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
1117 S 10th St
Manitowoc, WI 54220 5211
High Yield Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Qualifying balance up to $7,500.00

Fox Communities Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
4102 Calumet Ave
Manitowoc, WI 54220 5441
Fox Rewards Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Qualifying balance up to $5,000.00

Shoreline Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
4400 Calumet Ave
Manitowoc, WI 54220
Hometown Cash Back Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
1100 S 30th St
Manitowoc, WI 54220
Business Checking Tier 3 Business
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
1100 S 30th St
Manitowoc, WI 54220
Member's Choice Checking
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

All Balances 2

Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
1100 S 30th St
Manitowoc, WI 54220
Business Checking Tier 2 Business
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Bank First, NA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.91%
402 N 8th St
Manitowoc, WI 54220
Military First Interest Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

$10,000.00 to $24,999.99

Bank First, NA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.91%
402 N 8th St
Manitowoc, WI 54220
First Rate Interest Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

$25,000.00 & Over

Bank First, NA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.91%
402 N 8th St
Manitowoc, WI 54220
Military First Interest Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

$2,500.00 to $9,999.99

Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
1100 S 30th St
Manitowoc, WI 54220
Direct Benefit & Regular Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Fox Communities Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
4102 Calumet Ave
Manitowoc, WI 54220 5441
Business Checking Plus Business
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

$50,000+

Fox Communities Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
4102 Calumet Ave
Manitowoc, WI 54220 5441
Non-Profit Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

$50,000+

Bank First, NA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.91%
402 N 8th St
Manitowoc, WI 54220
Military First Interest Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

$2,499.99 & Under

Bank First, NA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.91%
402 N 8th St
Manitowoc, WI 54220
First Rate Interest Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

$2,500.00 to $9,999.99

Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
1100 S 30th St
Manitowoc, WI 54220
Business Checking Tier 1 Business
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Bank First, NA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.91%
402 N 8th St
Manitowoc, WI 54220
First Rate Interest Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

$2,499.99 & Under

Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
1100 S 30th St
Manitowoc, WI 54220
Direct Benefit & Regular Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Fox Communities Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
4102 Calumet Ave
Manitowoc, WI 54220 5441
Business Checking Plus Business
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

$25,000-$49,999.99

Fox Communities Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
4102 Calumet Ave
Manitowoc, WI 54220 5441
Non-Profit Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

$25,000-$49,999.99

Fox Communities Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
4102 Calumet Ave
Manitowoc, WI 54220 5441
Business Checking Plus Business
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

$2,500-$24,999.99

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
UnitedOne Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
1117 S 10th St
Manitowoc, WI 54220 5211
High Yield Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Qualifying balance up to $7,500.00

Shoreline Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
4400 Calumet Ave
Manitowoc, WI 54220
Hometown Cash Back Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Fox Communities Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
4102 Calumet Ave
Manitowoc, WI 54220 5441
Fox Rewards Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Qualifying balance up to $5,000.00

Bank First, NA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.91%
402 N 8th St
Manitowoc, WI 54220
Military First Interest Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

$10,000.00 to $24,999.99

Bank First, NA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.91%
402 N 8th St
Manitowoc, WI 54220
First Rate Interest Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

$25,000.00 & Over

Bank First, NA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.91%
402 N 8th St
Manitowoc, WI 54220
Military First Interest Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

$2,500.00 to $9,999.99

Bank First, NA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.91%
402 N 8th St
Manitowoc, WI 54220
First Rate Interest Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

$2,500.00 to $9,999.99

Bank First, NA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.91%
402 N 8th St
Manitowoc, WI 54220
Military First Interest Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

$2,499.99 & Under

Bank First, NA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.91%
402 N 8th St
Manitowoc, WI 54220
First Rate Interest Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

$2,499.99 & Under

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMay 20, 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—
UpdatedMay 17, 2026
Details

Qualifying balance up to $500.00

PyraMax Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
Hero Checking
7.50%
$25
View
▼
Rate7.25%
Min Deposit$25
Min Balance—
UpdatedMay 17, 2026
Details

Qualifying balance up to $500.00

Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Premium Checking
7.50%
$0
View
▼
Rate7.25%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

No additional details provided.

Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
Free Kasasa Cash Checking
6.00%
$0
View
▼
Rate5.83%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

PSB of Plainview
Institution Rating:
A+5.0 ★ Texas Ratio: 4.73%
Express Checking with Interest
5.00%
$25
View
▼
Rate4.89%
Min Deposit$25
Min Balance—
UpdatedMay 21, 2026
Details

Qualifying balance up to $25,000.00

Guardian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.91%
Assurance Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Qualifying balance up to $500.00

Prospera Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
Connect Plus Checking Account
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Qualifications Required; Qualifying balance up to $5,000.00

Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
Premier Checking
4.25%
$0
View
▼
Rate4.17%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Qualifications Met*

Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
ChaChingTM Checking
4.25%
$0
View
▼
Rate4.17%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Qualifying balance up to $15,000.00

Forte Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
Forte Flex Checking - West Bend Birthday Special
4.07%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

$0.01 - $50,000.00

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Shoreline Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
4400 Calumet Ave
Manitowoc, WI 54220
Hometown Cash Back Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Fox Communities Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
4102 Calumet Ave
Manitowoc, WI 54220 5441
Fox Rewards Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Qualifying balance up to $5,000.00

Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
Free Kasasa Cash Checking
6.00%
$0
View
▼
Rate5.83%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
1st Rewards Checking
3.30%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Qualifications Required; 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—
UpdatedMay 21, 2026
Details

Up to $10,000.00; Qualifying balance up to $10,000.00

Simplicity Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.49%
Rewards Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Qualifying balance up to $15,000.00

CO-OP Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.65%
Reward Checking
2.25%
$0
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 20, 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%
$50
View
▼
Rate1.00%
Min Deposit$50
Min Balance—
UpdatedMay 17, 2026
Details

Qualifying balance up to $19,999.00

Dairy State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
Rewards Checking
0.30%
$10,000
View
▼
Rate0.30%
Min Deposit$10,000
Min Balance—
UpdatedMay 21, 2026
Details

No additional details provided.

Dairy State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
Rewards Checking
0.20%
$2,500
View
▼
Rate0.20%
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details

No additional details provided.

Dairy State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
Rewards Checking
0.15%
$500
View
▼
Rate0.15%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details

No additional details provided.

Ripco Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Rewards Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 20, 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—
UpdatedMay 21, 2026
Details

Qualifying balance up to $500.00

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—
UpdatedMay 21, 2026
Details

$10,000.01

Ripco Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Rewards Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

PyraMax Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
Max Rewards Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

No additional details provided.

Ripco Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Rewards Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Simplicity Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.49%
Rewards Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Qualifying balance up to $15,000.01

PyraMax Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
Max Rewards Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

No additional details provided.

Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Rewards Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
1100 S 30th St
Manitowoc, WI 54220
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Shoreline Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
4400 Calumet Ave
Manitowoc, WI 54220
Worry-FreeTM Hometown Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
Free Kasasa Cash Checking
6.00%
$0
View
▼
Rate5.83%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Indianhead Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
Basic Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
Free Classic Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Free Community Checking Plus Dividends
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

No additional details provided.

Gundersen Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Free Checking Account
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

WaterStone Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Essential Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 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—
UpdatedMay 21, 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: 6.49%
Everyday Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

CO-OP Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.65%
FREE Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Governmental Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.35%
Basic Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Brewery Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
FREEDOM CHECKING
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
The District Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
Teen Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 17, 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—
UpdatedMay 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
▼
Rate0.01%
Min Deposit$5
Min Balance—
UpdatedMay 17, 2026
Details

No additional details provided.

TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
Moneywise Teen Checking
0.00%
$5
View
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Ripco Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Teen Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
1100 S 30th St
Manitowoc, WI 54220
Business Checking Tier 3 Business
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
1100 S 30th St
Manitowoc, WI 54220
Business Checking Tier 2 Business
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Fox Communities Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
4102 Calumet Ave
Manitowoc, WI 54220 5441
Business Checking Plus Business
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

$50,000+

Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
1100 S 30th St
Manitowoc, WI 54220
Business Checking Tier 1 Business
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Fox Communities Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
4102 Calumet Ave
Manitowoc, WI 54220 5441
Business Checking Plus Business
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

$25,000-$49,999.99

Fox Communities Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
4102 Calumet Ave
Manitowoc, WI 54220 5441
Business Checking Plus Business
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

$2,500-$24,999.99

Shoreline Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
4400 Calumet Ave
Manitowoc, WI 54220
Basic Business Checking Business
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Northwestern Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
Business Interest Checking & Municipal Interest Checking Business
2.22%
$0
View
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

No additional details provided.

Northwestern Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
Business Interest Checking & Municipal Interest Checking Business
1.97%
$0
View
▼
Rate1.95%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

No additional details provided.

Northwestern Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
Business Interest Checking & Municipal Interest Checking Business
1.46%
$0
View
▼
Rate1.45%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

No additional details provided.

Northwestern Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
Business Interest Checking & Municipal Interest Checking Business
1.21%
$0
View
▼
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

No additional details provided.

Northwestern Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
Business Interest Checking & Municipal Interest Checking Business
0.95%
$0
View
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

No additional details provided.

Citizens State Bank Hudson, WI
Institution Rating:
A+5.0 ★ Texas Ratio: 2.89%
Business Interest Checking Business
0.51%
$0
View
▼
Rate0.51%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

No additional details provided.

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.26%
Premier Business Checking Business
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

Qualifying balance up to $4,999.99

Simplicity Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.49%
Business Checking Business
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Simplicity Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.49%
Business Checking Business
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Simplicity Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.49%
Business Checking Business
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Premier Business Checking Business
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Dairy State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
Small Business Interest Checking Business
0.25%
$50,000
View
▼
Rate0.25%
Min Deposit$50,000
Min Balance—
UpdatedMay 21, 2026
Details

No additional details provided.

Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
Business Premium Checking Business
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 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
2.650%
▲ 0.342 vs 7 days ago

Wisconsin high-yield checking rates rose 0.342 points over the past 7 days to 2.650% APY.

Free Checking — WI Avg
0.769%
▼ 0.018 vs 7 days ago

Wisconsin free checking rates fell 0.018 points over the past 7 days to 0.769% APY.

As of May 22, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Manitowoc, Wisconsin checking rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

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 sourcing this data 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:
  • UnitedOne Credit Union
    High Yield Checking — 5.00% APY
  • Fox Communities Credit Union
    Fox Rewards Checking — 5.00% APY
  • Shoreline Credit Union
    Hometown Cash Back Checking — 5.00% APY
  • Community First Credit Union
    Member's Choice Checking — 0.30% APY
  • Bank First, NA
    Military First Interest Checking — 0.25% 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: May 21, 2026

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