Oak Creek, Wisconsin Money Market Rates - September 2026
Brian McKay
Brian McKay
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Current Oak Creek, Wisconsin and the surrounding area money market deposit account rates include The Huntington National BankThe Huntington National Bank8995 S Howell Ave, Oak Creek, WI 53154A+5.0 ★Texas Ratio: 4.60%Real return: +0.55%APY minus 2.8% CPI (February 2026) Relationship Money Market Account - Huntington Perks Checking at 3.35% APY, University of Wisconsin Credit UnionUniversity of Wisconsin Credit Union7902 S Main St, Oak Creek, WI 53154 1902A+5.0 ★Texas Ratio: 4.47%Real return: +0.31%APY minus 2.8% CPI (February 2026) Investor's Indexed Money Market at 3.11% APY, Landmark Credit UnionLandmark Credit Union8129S S Howell Ave, Oak Creek, WI 53154A+5.0 ★Texas Ratio: 3.79%Real return: +0.20%APY minus 2.8% CPI (February 2026) Open Signature Money Market at 3.00% APY, Tri City National BankTri City National Bank6400 S 27th St, Oak Creek, WI 53154A+5.0 ★Texas Ratio: 5.48%Real return: +0.20%APY minus 2.8% CPI (February 2026) Money Market+ at 3.00% APY, and WaterStone BankWaterStone Bank6560 S 27th St, Oak Creek, WI 53154A+5.0 ★Texas Ratio: 1.42%Real return: +0.20%APY minus 2.8% CPI (February 2026) Ultimate Money Market at 3.00% APY. Money market rates as of September 1, 2026 according to verified data from MonitorBankRates.
Oak Creek has 7 local institutions in our database, with money market rates as high as 3.35% APY from The Huntington National Bank at 8995 S Howell Ave, Oak Creek, WI 53154. Use the table below to compare all available offers, including options from institutions serving the broader Wisconsin area. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Oak Creek, Wisconsin and surrounding area. Last Updated and Verified: September 1, 2026
Compare the Best Money Market Rates Today in Oak Creek, Wisconsin & the Surrounding Area
With Huntington Perks Checking**
With Huntington Platinum Perks Checking***
With Private Client Account****
Non-Relationship Rate
Limited-Time Offer. Introductory APY applies for the first 12 months, after which the APY will adjust to the current market rates. Offer applied to new money only; funds must not currently be on deposit with WaterStone Bank. Fees may apply and could reduce earnings. Account must be open and active for 180 calendar days, or a $30 closing fee may be assessed at account closing.
Rates are effective as of 08/01/2026. Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. Account balance cannot drop below $10,000. Rates may change after the account has been opened.
APY accurate as of 2/01/2023. Paid on the entire balance in the account.
Rates based on zip code and with a minimum of $25,000 not currently deposited at Huntington. Get your variable rate after opening a Huntington Relationship Money Market Account when you maintain deposits of $25,000.00 - $2,000,000.99. Balances $2,000,001.00 and above currently earn 0.25% (0.25% APY). Balances below $25,000.00 do not earn interest and may be subject to a $25.00 per month maintenance fee. Fees may reduce earnings. When your balance falls into a specific rate tier, your entire balance will earn the applicable rate in effect for that tier. Initial minimum opening deposit to earn interest on the HRMMA is $25,000.00 and must be "New Money" which is defined as money that is not currently on deposit in any Huntington account (except maturing CDs). Offer is limited to one per household. We also reserve the right to limit acceptance of deposits greater than $2,000,000.00. Not valid with any other offer.
Rates are effective as of 08/01/2026. Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. Account balance cannot drop below $10,000. Rates may change after the account has been opened.
APY accurate as of 2/01/2023. Paid on the entire balance in the account.
Rates are effective as of 08/01/2026. Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. Account balance cannot drop below $10,000. Rates may change after the account has been opened.
Rates are effective as of 08/01/2026. Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. Account balance cannot drop below $10,000. Rates may change after the account has been opened.
APY accurate as of 2/01/2023. Paid on the entire balance in the account.
APY accurate as of 2/01/2023. Paid on the entire balance in the account.
Rates are effective as of 08/01/2026. Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. Account balance cannot drop below $10,000. Rates may change after the account has been opened.
Balance: $25,000.00 - $49,999.99
APY accurate as of 2/01/2023. Paid on the entire balance in the account.
Balance: $25,000.00 - $49,999.99
Non-Relationship Rate
With Huntington Perks Checking**
With Huntington Platinum Perks Checking***
With Private Client Account****
IRA minimum deposit: $25. Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. $10 fee per month for daily balances below $1,000.
IRA minimum deposit: $25. Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. $10 fee per month for daily balances below $1,000.
IRA minimum deposit: $25. Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. $10 fee per month for daily balances below $1,000.
IRA minimum deposit: $25. Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. $10 fee per month for daily balances below $1,000.
IRA minimum deposit: $25. Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. $10 fee per month for daily balances below $1,000.
Non-Relationship Rate
With Huntington Perks Checking**
If account falls below $2,500
Qualifications Required; Qualifying balance up to $1,000,000.00
Qualifications Required; Qualifying balance up to $1,000,000.00
With Checking
Intro rate APY 3.50%
$15,000+; Intro rate
Balance Tiers: $5,000,000 And Greater
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Oak Creek, WI Money Market Rate Trends
Compare local Oak Creek, WI money market quotes against the statewide average
Daily money market rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Wisconsin high-yield MMA rates rose 0.053 points over the past 7 days to 3.036% APY.
Wisconsin standard MMA rates fell 0.105 points over the past 7 days to 0.746% APY.
Oak Creek, Wisconsin Money Market Rate Forecast — Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current WI high-yield MMA average and a Fed funds spread to project the likely rate trajectory for 2026–2027.
Money market account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current WI high-yield money market average of 3.036% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: 1–2 Federal Reserve rate cuts of 25 basis points each over the next 12 months, based on current CME FedWatch consensus; money market institutions typically pass through 70–90% of rate cuts to deposit rates within 60–90 days. High-yield online money market rates tend to adjust faster than standard branch-based MMA rates, and jumbo-tier rates often adjust first.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Oak Creek, Wisconsin.
Money Market Account Earnings in Oak Creek, Wisconsin
Annual interest earnings at current WI average APYs, based on the high-yield and standard money market averages tracked in our database. Balances reflect the higher minimums typical of money market accounts. Compounding assumed monthly.
| Balance | HY Money Market (3.036% APY) | Monthly Earnings | Standard MMA (0.746% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $303.64 / year | $25.30 | $74.55 / year | $6.21 |
| $25,000 | $759.10 / year | $63.26 | $186.38 / year | $15.53 |
| $50,000 | $1,518.20 / year | $126.52 | $372.75 / year | $31.06 |
| $100,000 | $3,036.40 / year | $253.03 | $745.50 / year | $62.13 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, rate tier, and daily balance maintained. Rates are variable and subject to change. Source: Oak Creek, Wisconsin money market rate averages as of September 2, 2026. | ||||
About Our Oak Creek, Wisconsin Money Market Rate Database
MonitorBankRates found 7 institutions with branches in Oak Creek (4 banks, 3 credit unions), plus 33 additional state-chartered and national online institutions available to Oak Creek residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: The Huntington National Bank offers a money market account at 3.35% APY. Use the rate table above to compare all current offers in Oak Creek, Wisconsin.
How to Find the Best Money Market Rates in Oak Creek, Wisconsin
What to compare when shopping for a money market account in Oak Creek, Wisconsin
To find the best money market APYs in Oak Creek, Wisconsin, start with credit unions and online-only banks — Oak Creek, Wisconsin has 21 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate, and pay close attention to balance tiers — many money market accounts only pay their advertised top rate above a minimum balance of $1,000–$25,000, with lower rates (or monthly fees) below that threshold. The current WI high-yield money market average is 3.036% — but top local institutions are offering as high as 3.35%, so shopping around pays off.
Unlike a CD, money market rates are variable — your rate can change at any time with Federal Reserve policy. Also check check-writing and debit card limits: most MMAs allow a set number of withdrawals per month, and exceeding the limit can trigger fees. Review your account periodically to ensure your APY remains competitive.
When a Money Market Account Makes Sense
- Emergency fund with flexibility: You get savings-level yields plus limited check-writing and debit access. Oak Creek, Wisconsin high-yield money market rates currently average 3.036% APY — far above a typical checking account.
- Larger balances ($10,000+): Many MMAs pay tiered rates that rise with your balance, so bigger deposits often earn more than they would in a standard savings account.
- Parking cash between investments: A high-yield money market account at Oak Creek, Wisconsin institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally — 40 institutions in Oak Creek, Wisconsin report money market rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return → Oak Creek, Wisconsin CD rates
- You don’t need check writing and want a lower minimum → Oak Creek, Wisconsin savings rates
- You need daily transaction access → Oak Creek, Wisconsin checking rates
Oak Creek, Wisconsin Financial Snapshot
Local demographics and economic context for savers — Source: U.S. Census Bureau
15.1% of residents are 65 or older — below the national average of 17.3%; a low unemployment rate of 1.3% reflects a strong local economy with solid savings capacity. At today’s WI high-yield money market average of 3.036%, saving 10% of the local median salary ($5,722/year) would earn an additional $174 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Oak Creek, Wisconsin Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Oak Creek, Wisconsin.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current WI Avg APY | 3.036% | View Savings Rates | 0.746%(Standard MMA) | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✓ Often yes | ✗ No | ✗ No | ✗ No |
| Debit / ATM Card | ✓ Often yes | Some institutions | ✗ Rarely | ✗ No |
| Typical Min Deposit | $0 – $2,500 | $0 – $100 | $25 – $100 | $500 – $1,000 |
| Rate Risk | Rate may fall with Fed cuts | Rate may fall with Fed cuts | Rate may fall with Fed cuts | None — locked for term |
| Best For | Active savers wanting flexibility + check writing | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Locking in a rate for a defined period |
APY data reflects Oak Creek, Wisconsin averages tracked in our database as of September 2, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Oak Creek, Wisconsin Money Market Account Calculator
See how much a money market account can earn you. Enter your deposit, monthly contribution, and time frame — or click any current Oak Creek, Wisconsin rate on the right to apply it instantly. Interest compounds monthly.
Assumes monthly compounding and a constant APY for the full period. Money market rates are variable and can change at any time, so actual earnings will differ. Estimates are for informational purposes only.
Money Market & Savings Calculators for Oak Creek, Wisconsin
At WI’s top money market rate of 3.35% from The Huntington National Bank, a $10,000 deposit earns $335 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Oak Creek, Wisconsin earner is roughly $14,300. At 3.036% APY in a money market account, saving $1,190/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountWisconsin’s high-yield money market average is 3.036% APY — variable, always accessible, and often with check-writing. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Oak Creek, Wisconsin earner makes $57,223/year. Track your income vs. expenses to find your monthly surplus — then put it to work at 3.036% APY.
Retirement PlannerA $25,000 money market balance earning 3.036% APY grows to roughly $45,473 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Oak Creek, Wisconsin money market 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 Money Market Rate Data: We aggregate money market deposit account rates for Oak Creek, Wisconsin directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every money market rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Oak Creek, Wisconsin. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in WI.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Money Market Accounts in Oak Creek, Wisconsin
What is a Money Market Account (MMA)?
Are Money Market accounts in Oak Creek, Wisconsin safe?
How often do MMA rates change in Oak Creek, Wisconsin?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Oak Creek, Wisconsin?
Can I lose money in a Money Market Account?
What is the difference between a Money Market Account and a Money Market Fund?
Do I have to pay taxes on money market account interest?
Are online banks better than local banks in Oak Creek, Wisconsin for money market accounts?
Best Money Market Rates in Oak Creek, Wisconsin
- The Huntington National Bank
Relationship Money Market Account - Huntington Perks Checking — 3.35% APY - University of Wisconsin Credit Union
Investor's Indexed Money Market — 3.11% APY - Landmark Credit Union
Open Signature Money Market — 3.00% APY - Tri City National Bank
Money Market+ — 3.00% APY - WaterStone Bank
Ultimate Money Market — 3.00% APY
Oak Creek, Wisconsin Rates & Resources
