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Wisconsin Savings Rate Trends

Germantown, Wisconsin (WI) Savings Rates - March 2026

The best savings rates for Germantown, Wisconsin and the surrounding area include WaterStone BankWaterStone BankW188n9820 Appleton Ave, Germantown, WI 53022A+5.0 ★Texas Ratio: 1.42% Life Moments Savings at 3.00% APY, North Shore BankNorth Shore BankN112 W15780 Mequon Road, Germantown, WI 53022A+5.0 ★Texas Ratio: 0.63% Premier Health Savings Account at 3.00% APY, Landmark Credit UnionLandmark Credit UnionN96W17480 County Line Rd, Germantown, WI 53022A+5.0 ★Texas Ratio: 3.95% Health Savings Account Rate at 0.30% APY, Bank Five NineBank Five NineN112w17100 Mequon Rd, Germantown, WI 53022A+5.0 ★Texas Ratio: 3.03% Elite Savings at 0.10% APY, and Avestar Credit UnionAvestar Credit Union125 W Madison St, Waterloo, WI 53594A5.0 ★Texas Ratio: 8.55% Round Up Savings Account at 10.00% APY. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.

To see how these savings rates in Germantown, Wisconsin, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Germantown, Wisconsin (WI) are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Germantown, Wisconsin and the surrounding area. Last Updated and Verified: March 27, 2026

Compare the Best Savings Rates in Germantown, Wisconsin & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
WaterStone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
W188n9820 Appleton Ave, Germantown, WI 53022
Life Moments Savings
3.00%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 22, 2026
Details

Qualifying balance up to $5,000.00

North Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
N112 W15780 Mequon Road, Germantown, WI 53022
Premier Health Savings Account
3.00%
$0
Rate2.97%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

North Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
N112 W15780 Mequon Road, Germantown, WI 53022
Premier Health Savings Account
2.00%
$0
Rate1.99%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

North Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
N112 W15780 Mequon Road, Germantown, WI 53022
Premier Savings
1.50%
$0
Rate1.49%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

North Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
N112 W15780 Mequon Road, Germantown, WI 53022
Premier Health Savings Account
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Landmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
N96W17480 County Line Rd, Germantown, WI 53022
Health Savings Account Rate
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

WaterStone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
W188n9820 Appleton Ave, Germantown, WI 53022
Health Savings Account (HSA)
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Required Minimum Balance to Earn APY: $50,000.00 or more

WaterStone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
W188n9820 Appleton Ave, Germantown, WI 53022
Health Savings Account (HSA)
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Required Minimum Balance to Earn APY: $25,000.00 - $49,999.99

WaterStone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
W188n9820 Appleton Ave, Germantown, WI 53022
Health Savings Account (HSA)
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Required Minimum Balance to Earn APY: $10,000.00 - $24,999.99

North Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
N112 W15780 Mequon Road, Germantown, WI 53022
Health Savings Account
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

WaterStone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
W188n9820 Appleton Ave, Germantown, WI 53022
Health Savings Account (HSA)
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Required Minimum Balance to Earn APY: $5,000.00 - $9,999.99

WaterStone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
W188n9820 Appleton Ave, Germantown, WI 53022
Savings Account
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

WaterStone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
W188n9820 Appleton Ave, Germantown, WI 53022
Stepping Stone Savings*
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Bank Five Nine
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
N112w17100 Mequon Rd, Germantown, WI 53022
Elite Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

WaterStone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
W188n9820 Appleton Ave, Germantown, WI 53022
Business Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

WaterStone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
W188n9820 Appleton Ave, Germantown, WI 53022
Health Savings Account (HSA)
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Required Minimum Balance to Earn APY: $4,999.99 or less

WaterStone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
W188n9820 Appleton Ave, Germantown, WI 53022
IRA Access Savings
0.10%
$10
Rate0.10%
Min Deposit$10
Min Balance
UpdatedMar 22, 2026
Details

WaterStone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
W188n9820 Appleton Ave, Germantown, WI 53022
Savings Account
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

WaterStone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
W188n9820 Appleton Ave, Germantown, WI 53022
Stepping Stone Savings*
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

North Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
N112 W15780 Mequon Road, Germantown, WI 53022
Everyday Savings
0.08%
$0
Rate0.08%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Bank Five Nine
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
N112w17100 Mequon Rd, Germantown, WI 53022
Health Savings Account*
0.08%
$0
Rate0.08%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

North Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
N112 W15780 Mequon Road, Germantown, WI 53022
Seymour Savings
0.08%
$0
Rate0.08%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Bank Five Nine
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
N112w17100 Mequon Rd, Germantown, WI 53022
Health Savings Account*
0.06%
$0
Rate0.06%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

WaterStone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
W188n9820 Appleton Ave, Germantown, WI 53022
Blue's Jr. Bankers Savings Account
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

WaterStone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
W188n9820 Appleton Ave, Germantown, WI 53022
Savings Account
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

WaterStone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
W188n9820 Appleton Ave, Germantown, WI 53022
Stepping Stone Savings*
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Landmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
N96W17480 County Line Rd, Germantown, WI 53022
VIP Savings Account Rate
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Landmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
N96W17480 County Line Rd, Germantown, WI 53022
Business Savings Account Rate
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Bank Five Nine
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
N112w17100 Mequon Rd, Germantown, WI 53022
Good Savers Savings
0.04%
$0
Rate0.04%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Bank Five Nine
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
N112w17100 Mequon Rd, Germantown, WI 53022
Health Savings Account*
0.04%
$0
Rate0.04%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Bank Five Nine
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
N112w17100 Mequon Rd, Germantown, WI 53022
Smart Savings
0.04%
$0
Rate0.04%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Bank Five Nine
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
N112w17100 Mequon Rd, Germantown, WI 53022
Statement Savings
0.04%
$0
Rate0.04%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Avestar Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.55%
125 W Madison St, Waterloo, WI 53594
Round Up Savings Account
10.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

PCM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
601 Willard Dr, Green Bay, WI 54304
Reward Savings
7.50%
$0
Rate7.25%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Qualifying balance up to $500.00

Simplicity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
222 E Upham St, Marshfield, WI 54449 1543
Youth and Young Adult Savings
7.00%
$0
Rate6.82%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Qualifying balance up to $2,500.00

River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
124 W Oak St, Sparta, WI 54656
Youth Savings
6.00%
$25
Rate5.87%
Min Deposit$25
Min Balance
UpdatedMar 24, 2026
Details

Qualifying balance up to $5,000.00

Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
1610 Janesville Ave, Fort Atkinson, WI 53538
TBD Savings
5.12%
$5
Rate5.00%
Min Deposit$5
Min Balance
UpdatedMar 26, 2026
Details

Qualifying balance up to $1,000.00

Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
926 W College Ave, Appleton, WI 54914 5261
SavingsPlus
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Qualifying balance up to $500.00

Marshfield Medical Center Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
302 W Upham St, Marshfield, WI 54449 1461
Kasasa Saver® Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Qualifying balance up to $20,000.00

Arcadia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
535 Dettloff Dr, Arcadia, WI 54612 1737
Christmas Club Share
4.25%
$0
Rate4.16%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Sentry Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
1800 N Point Dr, Stevens Point, WI 54481 1253
Savings Account
3.82%
$0
Rate3.75%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Capital Area Realtors Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.37%
5325 Wall St Ste D, Madison, WI 53718 7982
Savings Account
3.79%
$100
Rate0.10%
Min Deposit$100
Min Balance
UpdatedMar 25, 2026
Details

PCM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
601 Willard Dr, Green Bay, WI 54304
Top Ten Shares
3.75%
$0
Rate3.69%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
1610 Janesville Ave, Fort Atkinson, WI 53538
Goal Getter Savings
3.56%
$5
Rate3.50%
Min Deposit$5
Min Balance
UpdatedMar 26, 2026
Details

Qualifying balance up to $15,000.00

PCM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
601 Willard Dr, Green Bay, WI 54304
Super Shares
3.50%
$0
Rate3.45%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

PCM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
601 Willard Dr, Green Bay, WI 54304
Top Ten Shares
3.50%
$0
Rate3.45%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
605 West Ave S, La Crosse, WI 54601
Premium Money Market Savings
3.40%
$1,000,000
Rate3.36%
Min Deposit$1,000,000
Min Balance
UpdatedMar 27, 2026
Details

Northwoods Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
1224 4th Ave S, Park Falls, WI 54552 1923
Premier IRA Club Savings
3.30%
$0
Rate3.25%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
1100 E Business Highway 151, Platteville, WI 53818 3777
Launchpad Savings Account
3.25%
$0
Rate3.21%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Max Balance $1,000

PCM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
601 Willard Dr, Green Bay, WI 54304
Super Shares
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Northwoods Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
1224 4th Ave S, Park Falls, WI 54552 1923
Premier IRA Club Savings
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Northwoods Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
1224 4th Ave S, Park Falls, WI 54552 1923
Premier IRA Club Savings
3.20%
$0
Rate3.15%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Northwoods Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
1224 4th Ave S, Park Falls, WI 54552 1923
Premier IRA Club Savings
3.14%
$0
Rate3.10%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Marshfield Medical Center Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
302 W Upham St, Marshfield, WI 54449 1461
Investor Savings 5th Tier
3.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
605 West Ave S, La Crosse, WI 54601
Premium Money Market Savings
3.05%
$750,000
Rate3.02%
Min Deposit$750,000
Min Balance
UpdatedMar 27, 2026
Details

Members Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
1610 Lincoln St, Wisconsin Rapids, WI 54494 5920
Money Market Savings
3.05%
$1,000
Rate3.00%
Min Deposit$1,000
Min Balance
UpdatedMar 27, 2026
Details

$1000 to open/HSA Money Market Savings (no minimum)

Unison Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
1616 Crooks Ave, Kaukauna, WI 54130
Empowering Kids Savings
3.04%
$5
Rate3.00%
Min Deposit$5
Min Balance
UpdatedMar 22, 2026
Details

Unison Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
1616 Crooks Ave, Kaukauna, WI 54130
Empowering Teens Savings
3.04%
$5
Rate3.00%
Min Deposit$5
Min Balance
UpdatedMar 22, 2026
Details

Northwoods Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
1224 4th Ave S, Park Falls, WI 54552 1923
IRA Club Savings
3.04%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Northwoods Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
1224 4th Ave S, Park Falls, WI 54552 1923
Premier IRA Club Savings
3.04%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Must open a Premier Checking and maintain a minimum average balance of $5,000.00 to receive this rate

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice.

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.

Germantown, WI Savings Rate Trends

Compare local Germantown, WI savings rate quotes against the statewide average

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

View Full Wisconsin Savings Trends →
High-Yield Savings — WI Avg
1.174%
▼ 0.377 from last week

Wisconsin high-yield savings rates fell 0.377 points this week to 1.174% APY, down from 1.551% last week.

Standard Savings — WI Avg
0.493%
▲ 0.185 from last week

Wisconsin standard savings rates rose 0.185 points this week to 0.493% APY, up from 0.308% last week.

As of Mar 27, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Germantown, 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 savings 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 Germantown, Wisconsin. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in WI.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.

Frequently Asked Questions about Savings Accounts in Germantown, Wisconsin

What is a High-Yield Savings Account (HYSA)?

A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Wisconsin, help your money grow faster through a higher APY.

Are savings accounts in Germantown, Wisconsin safe?

Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Wisconsin up to $250,000 per depositor, per institution.

How often do savings rates change in Germantown, Wisconsin?

Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Wisconsin rate tables daily to ensure you see the most current high-yield options.

Do I need a minimum deposit to open a savings account?

It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Germantown, Wisconsin may require $25–$100 to open an account.

What is the difference between a Savings Account and a Money Market Account?

Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.

Are online banks better than local banks in Germantown, Wisconsin?

Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Germantown, Wisconsin offer in-person customer service, which some customers prefer.

How do I open a savings account in Germantown, Wisconsin?

You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.

Best Savings Rates in Germantown, Wisconsin

Here are recent savings rates observed in Germantown, Wisconsin and the surrounding area:
  • WaterStone Bank
    Life Moments Savings — 3.00% APY
  • North Shore Bank
    Premier Health Savings Account — 3.00% APY
  • Landmark Credit Union
    Health Savings Account Rate — 0.30% APY
  • Bank Five Nine
    Elite Savings — 0.10% APY
  • Avestar Credit Union
    Round Up Savings Account — 10.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Germantown, Wisconsin. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 27, 2026