Oshkosh, Wisconsin Savings Rates - October 2026
Brian McKay
Brian McKay
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Oshkosh, Wisconsin savings account rates range from 0.10% to 5.00% APY, verified by MonitorBankRates as of October 13, 2026. The best savings rates for Oshkosh, Wisconsin and the surrounding area include Capital Credit UnionCapital Credit Union2495 Jackson St, Oshkosh, WI 54901A+5.0 ★Texas Ratio: 5.78%Real return: +2.20%APY minus 2.8% CPI (February 2026) SavingsPlus at 5.00% APY, US BankUS Bank111 N Main St, Oshkosh, WI 54901A+5.0 ★Texas Ratio: 2.85%Real return: +0.70%APY minus 2.8% CPI (February 2026) Bank Smartly Savings Account at 3.50% APY, Bank First, NABank First, NA1159 N Koeller St, Oshkosh, WI 54902A+5.0 ★Texas Ratio: 3.47%Real return: +0.55%APY minus 2.8% CPI (February 2026) Investment Savings at 3.35% APY, Prospera Credit UnionProspera Credit Union90 Wisconsin St, Oshkosh, WI 54901 3562A+5.0 ★Texas Ratio: 1.92%Real return: +0.20%APY minus 2.8% CPI (February 2026) Connect Savings at 3.00% APY, and Fox Communities Credit UnionFox Communities Credit Union1870 Oshkosh Ave, Oshkosh, WI 54902A+5.0 ★Texas Ratio: 2.15%Real return: -0.30%APY minus 2.8% CPI (February 2026) Health Savings Accounts (HSA) at 2.50% APY.
Oshkosh has 75 local institutions in our database, with savings rates as high as 5.00% APY from Capital Credit Union at 2495 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.
Savings rates reflect recent market quotes and representative offers available to depositors in Oshkosh, Wisconsin and the surrounding area. Last Updated and Verified: October 13, 2026
Compare the Best Savings Rates in Oshkosh, Wisconsin & Surrounding Communities
Balance: $0-$500; Compounds monthly; Maximum of one SavingsPlus account per membership share; variable rate account
Earn up to 3.50% APY when you are an account owner of a Bank Smartly Checking, Safe Debit account, or Bank SmartlyTM Visa Signature Card and a CQB of at least $25,000. APYs may vary by location and are accurate for accounts opened on today's date. Restrictions apply.
Balance: $250,000.00 - $499,999.99
Balance: $150,000.00 - $249,999.99
Balance: $0.01-$40,000; Requires Connect Plus Checking to open Connect Savings; Dividends compounded monthly
Balance: $0.01 - $40,000; Qualifying balance up to $40,000; Must have a Teen Checking to open Teen Savings; Refer to Teen Checking qualifications; For individual accounts only; Dividends compounded monthly; Rates as of 10/01/2026
Balance: $50,000.00 - $149,999.99
Balance: $25,000+
Balance: $500.01-$2,000; Compounds monthly; Maximum of one SavingsPlus account per membership share; variable rate account
Balance: $10,000-$24,999.99
Balance: $2,500-$9,999.99
Balance: $100,000.00 & Over
Balance: $100-$2,499.99
Balance: $25,000.00 to $99,999.99
Balance: $10,000.00 to $24,999.99
Compounds monthly; variable rate account, rates subject to change without notice
Balance: $25,000 +
Individual Retirement Account (IRAs)
- Oct 9, 20260.60%▲ from 0.45%
- Sep 14, 20260.45%first recorded
Dividends compounded quarterly; for individual accounts only; fees may reduce earnings
Balance: $25,000.00 & Over
Balance: $2,500.00 to $9,999.99
Personal, Youth, Business, Organization; Savings & Checking section; dividend rate is variable and may change after account is opened
- Oct 9, 20260.50%▲ from 0.35%
- Sep 14, 20260.35%first recorded
Qualified APY when bundled with a qualifying Verve Premier Checking account; Non-Qualified APY is 0.20%; $500 daily savings balance to earn dividends; No minimum balance required; No monthly service fee
Balance: $50,000.00+
Balance: $25,000.00+
Balance: $25,000.00 to $99,999.99
Balance: $10,000.00 - $24,999.99
Balance: $1,500.00 - 49,999.99
Balance: $10,000 - $24,999
Dividends compounded and credited monthly on the average daily balance; Please contact OCCU for other terms and conditions on these accounts
Balance: $10,000.00 to $24,999.99
Balance: $10,000.00 to $24,999.99
Balance: $500.00 - 1,499.99
Effective October 13, 2026
Effective October 13, 2026
Holiday Savings Accounts are set to pay dividends (APY) on any balance of $1 or more; For individual accounts only; Dividends are compounded annually; Fees may reduce earnings
Balance: $2,500.00 - $9,999.99
Qualified rate when bundled with Verve Essential Checking; qualifications: 1) monthly ACH direct deposits in checking totaling at least $250, 2) valid email address, 3) enroll in and receive eStatements; APY is variable and subject to change at the Credit Union's discretion; dividends compounded and paid monthly; no monthly service fee
Balance: $25,000.00 & Over
Balance: $2,499.99 & Under
Balance: $2,500.00 to $9,999.99
Balance: $10,000.00 to $24,999.99
For individual accounts only; Dividends are compounded monthly; Fees may reduce earnings; Rates as of 10/01/2026
Balance: $5,000 and above
Balance: $25,000.00 & Over
Balance: $25,000.00 & Over
Balance: $2,500.00 to $9,999.99
Simple way to build your business savings
Balance: $500.00+; Non-qualified rate, applies when not bundled with Verve Premier Checking or when monthly qualifications are not met; $500 daily balance to earn dividends; No minimum balance required; No monthly service fee
Balance: $100 - $4,999
Balance: $2,500.00 to $9,999.99
Balance: $2,499.99 & Under
Balance: $2,500 - $9,999
Balance: $100.00 - $2,499.99
Dividend rate 0.15%; compounds monthly; minimum to open & earn dividends $25.00
Compounds monthly; variable rate account, rates subject to change without notice
Compounds monthly; variable rate account, rates subject to change without notice
Balance: $2,499.99 & Under
Balance: $10,000.00 to $24,999.99
Balance: $2,499.99 & Under
Balance: $40,000 +; Requires Connect Plus Checking to open Connect Savings; Dividends compounded monthly
Minimum: $5; APY = Annual Percentage Yield; For individual accounts only; Interest compounded quarterly; Fees may reduce earnings; Rates as of 10/01/2026
Individual accounts only; dividends compounded quarterly; fees may reduce earnings
Balance: $100+
Balance: $100
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 Savings Rate Trends
Compare local Oshkosh, WI savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Wisconsin high-yield savings rates rose 0.046 points over the past 7 days to 1.624% APY, up from 1.578%.
Wisconsin standard savings rates rose 0.032 points over the past 7 days to 0.317% APY, up from 0.285%.
Oshkosh, Wisconsin Savings Rate Forecast, Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current WI high-yield average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Savings 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 savings average of 1.624% 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 to 90 days. High-yield online savings rates tend to adjust faster than standard branch-based savings rates.
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.
Savings Account Earnings in Oshkosh, Wisconsin
Annual interest earnings at current WI average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (1.624% APY) | Monthly Earnings | Standard Savings (0.317% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $81.21 / year | $6.77 | $15.87 / year | $1.32 |
| $10,000 | $162.41 / year | $13.53 | $31.73 / year | $2.64 |
| $25,000 | $406.03 / year | $33.84 | $79.33 / year | $6.61 |
| $50,000 | $812.05 / year | $67.67 | $158.65 / year | $13.22 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: Oshkosh, Wisconsin savings rate averages as of October 13, 2026. | ||||
About Our Oshkosh, Wisconsin Savings Rate Database
MonitorBankRates found 16 institutions with branches in Oshkosh (7 banks, 9 credit unions). 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 to 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: Capital Credit Union offers a savings account at 5.00% APY with a minimum deposit of $1. Use the rate table above to compare all current offers in Oshkosh, Wisconsin.
How to Find the Best Savings Rates in Oshkosh, Wisconsin
What to compare when shopping for a savings account in Oshkosh, Wisconsin
To find the best savings APYs in Oshkosh, Wisconsin, start with credit unions and online-only banks: Oshkosh, Wisconsin has 9 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. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current WI high-yield savings average is 1.624% but top local institutions are offering as high as 5.00%, so shopping around pays off.
Unlike a CD, savings account rates are variable. Your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3 to 6 months of expenses in a liquid, FDIC-insured account. Oshkosh, Wisconsin high-yield savings rates currently average 1.624% APY, far above a typical checking account.
- Short-term savings goals (6 to 24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at Oshkosh, Wisconsin institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 16 institutions in Oshkosh, Wisconsin report savings 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 want check-writing flexibility Oshkosh, Wisconsin money market 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 savings average of 1.624%, saving 10% of the local median salary ($3,702/year) would earn an additional $60 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Oshkosh, Wisconsin Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Oshkosh, Wisconsin.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current WI Avg APY | 1.624% | 0.317% | View MMA Rates | 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 | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 to $100 | $25 to $100 | $0 to $2,500 | $500 to $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 | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects Oshkosh, Wisconsin averages tracked in our database as of October 13, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Oshkosh, Wisconsin
At WI’s top rate of 5.00% from Capital Credit Union, a $10,000 deposit earns $500 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 1.624% APY, saving $770/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsWisconsin’s high-yield savings average is 1.624% APY, variable and always accessible. 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 1.624% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 1.624% APY grows to roughly $34,504 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 savings 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 Savings Rate Data: We aggregate savings 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 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 Oshkosh, 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 Oshkosh, Wisconsin
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Oshkosh, Wisconsin safe?
How often do savings rates change in Oshkosh, Wisconsin?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Oshkosh, Wisconsin?
How do I open a savings account in Oshkosh, Wisconsin?
Best Savings Rates in Oshkosh, Wisconsin
- Capital Credit Union
SavingsPlus: 5.00% APY - US Bank
Bank Smartly Savings Account: 3.50% APY - Bank First, NA
Investment Savings: 3.35% APY - Prospera Credit Union
Connect Savings: 3.00% APY - Fox Communities Credit Union
Health Savings Accounts (HSA): 2.50% APY
Oshkosh, Wisconsin Rates & Resources
