Oshkosh, Wisconsin Money Market Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Oshkosh, Wisconsin and the surrounding area money market deposit account rates include Bristol Morgan BankBristol Morgan Bank2201 Jackson St, Oshkosh, WI 54901A+5.0 ★Texas Ratio: 3.34%Real return: +1.20%APY minus 2.8% CPI (February 2026) Business Money Market at 4.00% APY, Community First Credit UnionCommunity First Credit Union2424 Westowne Ave, Oshkosh, WI 54904A+5.0 ★Texas Ratio: 0.85%Real return: +1.15%APY minus 2.8% CPI (February 2026) Member's Choice IRA Money Market (with active checking ) at 3.95% APY, Capital Credit UnionCapital Credit Union2495 Jackson St, Oshkosh, WI 54901A+5.0 ★Texas Ratio: 4.89%Real return: +1.10%APY minus 2.8% CPI (February 2026) Money MarketPlatinum Select at 3.90% APY, Fox Communities Credit UnionFox Communities Credit Union1870 Oshkosh Ave, Oshkosh, WI 54902A+5.0 ★Texas Ratio: 1.59%Real return: +0.95%APY minus 2.8% CPI (February 2026) Fox Rewards Money Market at 3.75% APY, and Verve a Credit UnionVerve a Credit Union2900 Universal St, Oshkosh, WI 54904A+5.0 ★Texas Ratio: 2.59%Real return: +0.44%APY minus 2.8% CPI (February 2026) Optimum Money Market at 3.24% APY. Money market rates as of September 22, 2026 according to verified data from MonitorBankRates.
Oshkosh has 12 local institutions in our database, with money market rates as high as 4.00% APY from Bristol Morgan Bank at 2201 Jackson St, Oshkosh, WI 54901. Use the table below to compare all available offers, including options from institutions serving the broader Wisconsin area. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Oshkosh, Wisconsin and surrounding area. Last Updated and Verified: September 22, 2026
Compare the Best Money Market Rates Today in Oshkosh, Wisconsin & the Surrounding Area
Balance: $500,000 and over
Balance: $500,000 and over
Balance: $2,000,000 and over
With Active Checking*
Balance: $750,000 - $1,999,999.99
With Active Checking*
Balance: $1,000,000+; Compound: Monthly
Balance: $1,000,000+; Compound: Monthly
Balance: $750,000-$999,999.99; Compound: Monthly
Balance: $750,000-$999,999.99; Compound: Monthly
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $1,000,000+; If qualifications are met:
Balance: $500,000 - $749,999.99
With Active Checking*
Balance: $500,000-$749,999.99; Compound: Monthly
Balance: $500,000-$749,999.99; Compound: Monthly
Balance: $300,000 - $499,999.99
With Active Checking*
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $500,000-$999,999.99; If qualifications are met:
Balance: $250,000-$499,999.99; Compound: Monthly
Balance: $250,000-$499,999.99; Compound: Monthly
Balance: $200,000.00+
Balance: $250,000 or more
For individual accounts only. Dividends are compounded monthly. Fees may reduce earnings.
Balance: $100,000 - $249,999
Balance: $50,000 - $99,999
Balance: $150,000 - $299,999.99
With Active Checking*
Balance: $125,000.00-$199,999.99
Balance: $10,000 - $49,999
Balance: $100,000-$249,999.99; Compound: Monthly
Balance: $100,000-$249,999.99; Compound: Monthly
Balance: $75,000.00-$124,999.99
Balance: $50,000 or more
To earn the disclosed APY, a minimum balance of $100 is required. Balance: $1,000,000+
Balance: $500,000-$999,999.99; If qualifications are NOT met:
Balance: $250,000.00+; Compound: Monthly
Balance: $250,000+; Compound: Monthly
Balance: $5,000,000+
Balance: $5,000,000+
Balance: $5,000,000+
For individual accounts only. Dividends are compounded monthly. Fees may reduce earnings.
Balance: $1,000,000.01 - 5,000,000.00
Balance: $1,000,000.01 - 5,000,000.00
Balance: $1,000,000.01 - 5,000,000.00
Balance: $40,000.00-$74,999.99
Balance: $500,000.01 - 1,000,000.00
Balance: $500,000.01 - $1,000,000.00
Balance: $500,000.01 - 1,000,000.00
Balance: $25,000 - $49,999
Balance: $250,000 - $499,999.99
Balance: $250,000 - $499,999.99
Balance: $75,000 - $149,999.99
With Active Checking*
For individual accounts only. Dividends are compounded monthly. Fees may reduce earnings.
To earn the disclosed APY, a minimum balance of $100 is required. Balance: $500,000-$999,999.99
Balance: $100,000-$499,999.99; If qualifications are NOT met:
Balance: $125,000.00-$199,999.99
Balance: $100,000-$249,999.99; Compound: Monthly
Balance: $100,000-$249,000.00; Compound: Monthly
Balance: $100,000.00 & Over
Balance: $250,000.01 - 500,000.00
Balance: $250,000.01 - 500,000.00
Balance: $250,000.01 - 500,000.00
Balance: $100,000 - $249,999.99
Balance: $100,000 - $249,999.99
Balance: $75,000.00-$124,999.99
Balance: $50,000.00 to $99,999.99
Balance: $50,000-$99,999.99; Compound: Monthly
Balance: $50,000-$99,999.99; Compound: Monthly
Balance: $10,000 - $24,999
Balance: $100,000.01 - 250,000.00
Balance: $100,000.01 - 250,000.00
Balance: $100,000.01 - 250,000.00
Compounding Frequency: Monthly
Balance: $100,000.00 & Over
Compounding Frequency: Monthly
Balance: $25,000 - $99,999.99
Balance: $25,000 - $99,999.99
Balance: $10,000.00 to $49,999.99
Balance: $0 - 100,000.00
Balance: $0 - 100,000.00
Balance: $0 - 100,000.00
Balance: $50,000.00 to $99,999.99
Balance: $2,500 - $24,999.99
Balance: $2,500 - $24,999.99
Compounding Frequency: Monthly
Balance: $10,000.00 to $49,999.99
Compounding Frequency: Monthly
Compounding Frequency: Monthly
Balance: $0 - $2,499.99
Balance: $0 - $2,499.99
Balance: $5,000 and above
Balance: $25,000.00 & Over
Balance: $25,000.00 & Over
Balance: $1,000 - $4,999
Balance: $10,000.00 to $24,999.99
Balance: $10,000.00 to $24,999.99
Balance: $2,499.99 & Under
Balance: $2,499.99 & Under
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.
Oshkosh, WI Money Market Rate Trends
Compare local Oshkosh, 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 0.008 points over the past 7 days to 3.063% APY.
Wisconsin standard MMA rates fell 0.042 points over the past 7 days to 0.731% APY.
Oshkosh, 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 3.063% 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: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60–90 days. High-yield money market rates tend to adjust faster than standard branch-based accounts.
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 Oshkosh, Wisconsin.
Money Market Account Earnings in Oshkosh, 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 (3.063% APY) | Monthly Earnings | Standard MMA (0.731% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $306.26 / year | $25.52 | $73.07 / year | $6.09 |
| $25,000 | $765.65 / year | $63.80 | $182.68 / year | $15.22 |
| $50,000 | $1,531.30 / year | $127.61 | $365.35 / year | $30.45 |
| $100,000 | $3,062.60 / year | $255.22 | $730.70 / year | $60.89 |
| 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: Oshkosh, Wisconsin money market rate averages as of September 23, 2026. | ||||
About Our Oshkosh, Wisconsin Money Market Rate Database
MonitorBankRates found 12 institutions with branches in Oshkosh (5 banks, 7 credit unions), plus 6 additional state-chartered and national online institutions available to Oshkosh 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: Bristol Morgan Bank offers a money market account at 4.00% APY. Use the rate table above to compare all current offers in Oshkosh, Wisconsin.
How to Find the Best Money Market Rates in Oshkosh, Wisconsin
What to compare when shopping for a money market account in Oshkosh, Wisconsin
To find the best money market APYs in Oshkosh, Wisconsin, start with credit unions and online-only banks: Oshkosh, Wisconsin has 12 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 3.063% but top local institutions are offering as high as 4.00%, 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. Oshkosh, Wisconsin high-yield money market rates currently average 3.063% 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 Oshkosh, Wisconsin institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 18 institutions in Oshkosh, 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 → Oshkosh, Wisconsin CD rates
- You don’t need check writing and want a lower minimum → Oshkosh, Wisconsin savings rates
- You need daily transaction access → Oshkosh, Wisconsin checking rates
Oshkosh, Wisconsin Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
15.4% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 2.8% reflects a strong local economy with solid savings capacity. At today’s WI high-yield money market average of 3.063%, saving 10% of the local median salary ($3,702/year) would earn an additional $113 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Oshkosh, Wisconsin Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Oshkosh, Wisconsin.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current WI Avg APY | 3.063% | View Savings Rates | 0.731%(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 | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | 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 Oshkosh, Wisconsin averages tracked in our database as of September 23, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Oshkosh, 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 Oshkosh, 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 Oshkosh, Wisconsin
At WI’s top money market rate of 4.00% from Bristol Morgan Bank, a $10,000 deposit earns $400 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Oshkosh, Wisconsin earner is roughly $9,300. At 3.063% APY in a money market account, saving $770/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 3.063% 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 Oshkosh, Wisconsin earner makes $37,029/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.063% APY.
Retirement PlannerA $25,000 money market balance earning 3.063% APY grows to roughly $45,705 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 Oshkosh, 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 Oshkosh, 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 Oshkosh, 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 Oshkosh, Wisconsin
What is a Money Market Account (MMA)?
Are Money Market accounts in Oshkosh, Wisconsin safe?
How often do MMA rates change in Oshkosh, Wisconsin?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Oshkosh, 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 Oshkosh, Wisconsin for money market accounts?
Best Money Market Rates in Oshkosh, Wisconsin
- Bristol Morgan Bank
Business Money Market: 4.00% APY - Community First Credit Union
Member's Choice IRA Money Market (with active checking ): 3.95% APY - Capital Credit Union
Money MarketPlatinum Select: 3.90% APY - Fox Communities Credit Union
Fox Rewards Money Market: 3.75% APY - Verve a Credit Union
Optimum Money Market: 3.24% APY
Oshkosh, Wisconsin Rates & Resources
