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

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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 23, 2026

The best checking rates for Oshkosh, Wisconsin include Fox Communities Credit UnionFox Communities Credit Union1870 Oshkosh Ave, Oshkosh, WI 54902A+5.0 ★Texas Ratio: 2.38% Fox Rewards Checking at 5.00% APY, Prospera Credit UnionProspera Credit Union90 Wisconsin St, Oshkosh, WI 54901 3562A+5.0 ★Texas Ratio: 2.14% Connect Plus Checking Account at 5.00% APY, Capital Credit UnionCapital Credit Union2495 Jackson St, Oshkosh, WI 54901A5.0 ★Texas Ratio: 7.02% ChaChingTM Checking at 4.25% APY, Fortifi BankFortifi Bank400 N Koeller St, Oshkosh, WI 54902A+5.0 ★Texas Ratio: 4.70% Checking+ at 4.07% APY, and Horicon BankHoricon Bank2251 Omro Rd, Oshkosh, WI 54904A5.0 ★Texas Ratio: 6.70% Premier Checking at 2.02% APY. Checking account rates as of May 23, 2026 according to verified data from MonitorBankRates.

Oshkosh has 10 local institutions in our database, with checking rates as high as 5.00% APY from Fox Communities Credit Union at 1870 Oshkosh Ave, Oshkosh, WI, 54902. 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 Oshkosh, Wisconsin. Checking Account Rates Last Updated and Verified: May 23, 2026

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

Institutions:
Jump to: All Accounts · High Yield · Rewards · Free Checking · Student · Business

Oshkosh Checking Account Rates

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: 2.38%
1870 Oshkosh Ave
Oshkosh, WI 54902
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

Prospera Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
90 Wisconsin St
Oshkosh, WI 54901 3562
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

Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
2495 Jackson St
Oshkosh, WI 54901
ChaChingTM Checking
4.25%
$0
View
▼
Rate4.17%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

Qualifying balance up to $15,000.00

Fortifi Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
400 N Koeller St
Oshkosh, WI 54902
Checking+
4.07%
$50
View
▼
Rate4.00%
Min Deposit$50
Min Balance—
UpdatedMay 21, 2026
Details

Qualifications Required: 18 debit card purchases / Direct deposit or Auto ACH payment / Enrollment in eStatements; Choose between 5% cash back or 4.07% APY; ATM refunds up to $10 per month*

Horicon Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
2251 Omro Rd
Oshkosh, WI 54904
Premier Checking
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

No additional details provided.

Horicon Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
2251 Omro Rd
Oshkosh, WI 54904
V-Flight Checking
1.82%
$0
View
▼
Rate1.80%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Qualifying balance up to $25,000.00

Horicon Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
2251 Omro Rd
Oshkosh, WI 54904
Glider Checking
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

$250,000.00+

Horicon Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
2251 Omro Rd
Oshkosh, WI 54904
New Horizons Checking
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

No additional details provided.

Horicon Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
2251 Omro Rd
Oshkosh, WI 54904
Premier Checking - 250,000.00
1.31%
$0
View
▼
Rate1.30%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

$100,000.01

Horicon Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
2251 Omro Rd
Oshkosh, WI 54904
Premier Checking
1.31%
$0
View
▼
Rate1.30%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

No additional details provided.

Horicon Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
2251 Omro Rd
Oshkosh, WI 54904
Glider Checking - 250,000.00
1.06%
$0
View
▼
Rate1.05%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

$100,000.01

Horicon Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
2251 Omro Rd
Oshkosh, WI 54904
Glider Checking
1.06%
$0
View
▼
Rate1.05%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

$100,000.01 - 250,000.00

Horicon Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
2251 Omro Rd
Oshkosh, WI 54904
New Horizons Checking
1.06%
$0
View
▼
Rate1.05%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

No additional details provided.

Fox Valley Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
1700 W 20th Ave
Oshkosh, WI 54902
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

Horicon Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
2251 Omro Rd
Oshkosh, WI 54904
Premier Checking
0.55%
$0
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

No additional details provided.

Horicon Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
2251 Omro Rd
Oshkosh, WI 54904
Premier Checking - 100,000.00
0.55%
$0
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

$0

Horicon Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
2251 Omro Rd
Oshkosh, WI 54904
Glider Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

$25,000.01 - 100,000.00

Horicon Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
2251 Omro Rd
Oshkosh, WI 54904
Glider Checking - 100,000.00
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

$25,000.01

Horicon Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
2251 Omro Rd
Oshkosh, WI 54904
New Horizons Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

No additional details provided.

Fox Valley Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
1700 W 20th Ave
Oshkosh, WI 54902
FVSBank Community Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

No additional details provided.

Oshkosh High Yield Checking Rates

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: 2.38%
1870 Oshkosh Ave
Oshkosh, WI 54902
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

Prospera Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
90 Wisconsin St
Oshkosh, WI 54901 3562
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

Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
2495 Jackson St
Oshkosh, WI 54901
ChaChingTM Checking
4.25%
$0
View
▼
Rate4.17%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

Qualifying balance up to $15,000.00

Fortifi Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
400 N Koeller St
Oshkosh, WI 54902
Checking+
4.07%
$50
View
▼
Rate4.00%
Min Deposit$50
Min Balance—
UpdatedMay 21, 2026
Details

Qualifications Required: 18 debit card purchases / Direct deposit or Auto ACH payment / Enrollment in eStatements; Choose between 5% cash back or 4.07% APY; ATM refunds up to $10 per month*

Horicon Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
2251 Omro Rd
Oshkosh, WI 54904
Premier Checking
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

No additional details provided.

Horicon Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
2251 Omro Rd
Oshkosh, WI 54904
V-Flight Checking
1.82%
$0
View
▼
Rate1.80%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Qualifying balance up to $25,000.00

Horicon Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
2251 Omro Rd
Oshkosh, WI 54904
New Horizons Checking
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

No additional details provided.

Horicon Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
2251 Omro Rd
Oshkosh, WI 54904
Glider Checking
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

$250,000.00+

Horicon Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
2251 Omro Rd
Oshkosh, WI 54904
Premier Checking - 250,000.00
1.31%
$0
View
▼
Rate1.30%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

$100,000.01

Horicon Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
2251 Omro Rd
Oshkosh, WI 54904
Premier Checking
1.31%
$0
View
▼
Rate1.30%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

No additional details provided.

Horicon Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
2251 Omro Rd
Oshkosh, WI 54904
Glider Checking
1.06%
$0
View
▼
Rate1.05%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

$100,000.01 - 250,000.00

Horicon Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
2251 Omro Rd
Oshkosh, WI 54904
Glider Checking - 250,000.00
1.06%
$0
View
▼
Rate1.05%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

$100,000.01

Horicon Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
2251 Omro Rd
Oshkosh, WI 54904
New Horizons Checking
1.06%
$0
View
▼
Rate1.05%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

No additional details provided.

Fox Valley Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
1700 W 20th Ave
Oshkosh, WI 54902
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

Bank First, NA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.91%
1159 N Koeller St
Oshkosh, WI 54902
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%
1159 N Koeller St
Oshkosh, WI 54902
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%
1159 N Koeller St
Oshkosh, WI 54902
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%
1159 N Koeller St
Oshkosh, WI 54902
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%
1159 N Koeller St
Oshkosh, WI 54902
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%
1159 N Koeller St
Oshkosh, WI 54902
First Rate Interest Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

$2,499.99 & Under

Oshkosh Rewards Checking Rates

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: 2.38%
1870 Oshkosh Ave
Oshkosh, WI 54902
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

Fox Valley Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
1700 W 20th Ave
Oshkosh, WI 54902
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

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

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

No additional details provided.

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 23, 2026
Details

Qualifying balance up to $15,000.01; Qualifications Required

1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
1st Rewards Checking4
3.30%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 23, 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—
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 23, 2026
Details

No additional details provided.

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 23, 2026
Details

No additional details provided.

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

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

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 23, 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 23, 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.

Oshkosh Free Checking Rates

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%
2424 Westowne Ave
Oshkosh, WI 54904
Free 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 23, 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 23, 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.

Shoreline Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
Worry-FreeTM Hometown 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.

Oshkosh Student Checking Rates

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 22, 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.

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 23, 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.

Oshkosh Business Checking Rates

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%
2424 Westowne Ave
Oshkosh, WI 54904
Business Checking Tier 3 Business
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
2495 Jackson St
Oshkosh, WI 54901
Business Premium Checking Business
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

No additional details provided.

Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
2424 Westowne Ave
Oshkosh, WI 54904
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%
1870 Oshkosh Ave
Oshkosh, WI 54902
Business Checking Plus Business
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

$50,000+

Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
2495 Jackson St
Oshkosh, WI 54901
Business Premium Checking Business
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

No additional details provided.

Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
2424 Westowne Ave
Oshkosh, WI 54904
Business Checking Tier 1 Business
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
2495 Jackson St
Oshkosh, WI 54901
Business Elite Checking Business
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

No additional details provided.

Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
2495 Jackson St
Oshkosh, WI 54901
Business Premium Checking Business
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

No additional details provided.

Fox Communities Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
1870 Oshkosh Ave
Oshkosh, WI 54902
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%
1870 Oshkosh Ave
Oshkosh, WI 54902
Business Checking Plus Business
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

$2,500-$24,999.99

Fox Valley Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
1700 W 20th Ave
Oshkosh, WI 54902
FVSBank Business Analyzed Checking Business
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

No additional details provided.

Fox Valley Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
1700 W 20th Ave
Oshkosh, WI 54902
Business Club Checking Business
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

No additional details provided.

Fox Valley Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
1700 W 20th Ave
Oshkosh, WI 54902
FVSBank Business Checking Business
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 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 22, 2026
Details

Qualifying balance up to $4,999.99

Oshkosh, WI Checking Rate Trends

Compare local Oshkosh, 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%
▼ 0.010 vs 7 days ago

Wisconsin free checking rates fell 0.010 points over the past 7 days to 0.769% APY.

As of May 23, 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 Oshkosh, 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 Oshkosh, 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 Oshkosh, 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 Oshkosh, Wisconsin earn interest?

Most traditional local checking accounts in Oshkosh, 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 Oshkosh, Wisconsin FDIC insured?

Yes. Legitimate banks with branches in Oshkosh, 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 Oshkosh, Wisconsin

Based on our current data, some of the highest checking account APYs available to residents of Oshkosh, Wisconsin include:
  • Fox Communities Credit Union
    Fox Rewards Checking — 5.00% APY
  • Prospera Credit Union
    Connect Plus Checking Account — 5.00% APY
  • Capital Credit Union
    ChaChingTM Checking — 4.25% APY
  • Fortifi Bank
    Checking+ — 4.07% APY
  • Horicon Bank
    Premier Checking — 2.02% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Oshkosh, Wisconsin. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: May 23, 2026

Oshkosh, Wisconsin Rates & Resources

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