Racine, Wisconsin Savings Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best savings rates for Racine, Wisconsin and the surrounding area include The Huntington National BankThe Huntington National Bank3935 Douglas Ave, Racine, WI 53402A5.0 ★Texas Ratio: 6.08%Real return: +0.45%APY minus 2.8% CPI (February 2026) Relationship Savings Account at 3.25% APY, MCU Financial Center Credit UnionMCU Financial Center Credit Union1907 Lathrop Ave, Racine, WI 53405A+5.0 ★Texas Ratio: 4.52%Real return: -0.80%APY minus 2.8% CPI (February 2026) Money Tree Savings Accounts at 2.00% APY, Educators Credit UnionEducators Credit Union3525 Rapids Dr, Racine, WI 53404 1634A+5.0 ★Texas Ratio: 2.95%Real return: -2.04%APY minus 2.8% CPI (February 2026) HSA (Health Savings Account) at 0.76% APY, Johnson BankJohnson Bank555 Main St, Racine, WI 53403A+5.0 ★Texas Ratio: 1.47%Real return: -2.35%APY minus 2.8% CPI (February 2026) Health Savings Account (HSA) at 0.45% APY, and Landmark Credit Union WILandmark Credit Union WI3413 Rapids Dr, Racine, WI 53404A+5.0 ★Texas Ratio: 2.82%Real return: -2.50%APY minus 2.8% CPI (February 2026) Health Savings Account Rate at 0.30% APY.
Racine has 49 local institutions in our database, with savings rates as high as 3.25% APY from The Huntington National Bank at 3935 Douglas Ave, Racine, WI 53402. 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 Racine, Wisconsin and the surrounding area. Last Updated and Verified: September 22, 2026
Compare the Best Savings Rates in Racine, Wisconsin & Surrounding Communities
Balance: $5,000.00 to $2,000,000.99; With Huntington Perks Checking**
Balance: $5,000.00 to $2,000,000.99
Published APY range: 2.40%-4.00%; Published rate range: 2.40%-4.00%. Rates based on zip code. Get your variable rate after opening a Huntington Relationship Savings Account when you maintain deposits of $5,000.00 - $2,000,000.99. Balances $2,000,001.00 and above will earn 0.01% (0.01% APY). Balances below $5,000.00 will earn 0.01% (0.01% APY). Avoid a monthly maintenance fee when you have an average daily balance of $2,500 or have an Asterisk-Free Checking , Huntington Perks Checking or Huntington Platinum Perks Checking account; otherwise $10. Initial minimum opening deposit to earn the higher interest rate on the HRSA is $5,000.00 and must be "New Money" which is defined as money that is not currently on deposit in any Huntington account (except maturing CDs).
Published APY range: 2.40%-4.00%; Published rate range: 2.38%-3.94%. Annual percentage yield (APY) and interest rates are accurate as of May 5, 2026. The special interest rate for the Huntington Relationship Savings Account (HRSA) with balances between $5,000.00 to $2,000,000.99 is between 2.38%-3.94% with an APY between 2.40%-4.00% based on your zip code. The interest rate is variable and subject to change at any time. Balances $2,000,001.00 and above will earn 0.01% (0.01% APY). Balances below $5,000.00 will earn 0.01% (0.01% APY). Balances below $2,500 may be subject to a $10.00 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. For instance, if your balance reaches $2,000,001.00 or more, your entire balance would currently earn 0.01% APY Offer is limited to one per household. We also reserve the right to limit acceptance of deposits greater than
Balance: $200,001 - Greater
Balance: $150,001 - $200,000
Balance: $100,001 - $150,000
Rates are effective as of 09/01/2026. Fees may reduce earnings. Minimum amount is minimum account balance to earn dividends. An HSA has a $25 set-up fee. Only open to Wisconsin, Illinois and Minnesota residents. Fiduciary and business accounts are not eligible. For all the account disclosures, please go to www.ecu.com/sweepstakes. IBEW members in Wisconsin and Michigan Only.
Balance: $75,001 - Greater
Balance: $50,001 - $75,000
Balance: $30,001 - $50,000
Rates are effective as of 09/01/2026. Fees may reduce earnings. Minimum amount is minimum account balance to earn dividends. An HSA has a $25 set-up fee. Only open to Wisconsin, Illinois and Minnesota residents. Fiduciary and business accounts are not eligible. For all the account disclosures, please go to www.ecu.com/sweepstakes. IBEW members in Wisconsin and Michigan Only.
Balance: $50,000 - $100,000
$25,000.00 and over
Balance: $10,001 - $30,000
Balance: $100 - $10,000
Balance: $75,001 - Greater
$10,000.00 to $24,999.99
$2,500.00 to $9,999.99
Balance: $50,001 - $75,000
Balance: $50,001 - Greater
Interest Payment Frequency: Monthly; Compounding Method: Simple
Interest Payment Frequency: Monthly; Compounding Method: Simple
$1,000.00 to $2,499.99
Balance: $25,001 - $50,000
Balance: $25,001 - $50,000
Balance: $10,001 - $25,000
Balance: $10,001 - $25,000
Balance: $2,000 - $10,000
Balance: $100 - $10,000
Balance: $0.01 to $4,999.99; With Private Client Account****
Rates are effective as of 09/01/2026. Fees may reduce earnings. Minimum amount is minimum account balance to earn dividends. An HSA has a $25 set-up fee. Only open to Wisconsin, Illinois and Minnesota residents. Fiduciary and business accounts are not eligible. For all the account disclosures, please go to www.ecu.com/sweepstakes. IBEW members in Wisconsin and Michigan Only.
Rates are effective as of 09/01/2026. Fees may reduce earnings. Minimum amount is minimum account balance to earn dividends. An HSA has a $25 set-up fee. Only open to Wisconsin, Illinois and Minnesota residents. Fiduciary and business accounts are not eligible. For all the account disclosures, please go to www.ecu.com/sweepstakes. IBEW members in Wisconsin and Michigan Only.
When linked to Premier Checking. Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
Balance: $0 or more
Balance: $5 - $100
When linked to Prime Checking. Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
Balance: $0.01 to $4,999.99; With Huntington Perks Checking**
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
Balance: $0 or more
Balance: $0.01 to $4,999.99
Up to $999.99
Minimum: Cost of checks/drafts***
Balance: $0.01 to $5,000
See full reward savings details and account requirements here .
Balance: $0 - $5,000.00
Balance: $0 - $5,000.00*
For children 17 years old or younger. Account earns current Minor Savings account APY* on balances up to $10,000.00, a portion of balance over $10,000.00 will earn current APY* of a regular savings account. Interest is compounded monthly with statements. APY rate is good as of April 15, 2026, and may change at any time. Promo code 4205
Promotional APY for first 180 days. Balances at or below $9,999.99 do not qualify for this promotional rate and are subject to the current non-promotional interest rate. At the end of the 180-day promotional period, the interest rate and APY will revert to the then-posted non-promotional rate(s). Variable rate. New personal savings client required. New money required. Account must remain open for the full 180-day promotional period. Offer subject to change or cancellation.
Balance: $5,000,000+
Balance: $250,000.00 - $499,999.99
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.
Racine, WI Savings Rate Trends
Compare local Racine, 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 0.110 points over the past 7 days to 1.968% APY, up from 1.858%.
Wisconsin standard savings rates rose 0.013 points over the past 7 days to 0.814% APY, up from 0.801%.
Racine, 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 2026–2027.
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 1.968% 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 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 Racine, Wisconsin.
Savings Account Earnings in Racine, 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 (1.968% APY) | Monthly Earnings | Standard Savings (0.814% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $98.41 / year | $8.20 | $40.68 / year | $3.39 |
| $10,000 | $196.82 / year | $16.40 | $81.36 / year | $6.78 |
| $25,000 | $492.05 / year | $41.00 | $203.40 / year | $16.95 |
| $50,000 | $984.10 / year | $82.01 | $406.80 / year | $33.90 |
| 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: Racine, Wisconsin savings rate averages as of September 22, 2026. | ||||
About Our Racine, Wisconsin Savings Rate Database
MonitorBankRates found 7 institutions with branches in Racine (4 banks, 3 credit unions), plus 10 additional state-chartered and national online institutions available to Racine 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 savings account at 3.25% APY. Use the rate table above to compare all current offers in Racine, Wisconsin.
How to Find the Best Savings Rates in Racine, Wisconsin
What to compare when shopping for a savings account in Racine, Wisconsin
To find the best savings APYs in Racine, Wisconsin, start with credit unions and online-only banks: Racine, Wisconsin has 5 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 1.968% but top local institutions are offering as high as 3.25%, 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 3–6 months of expenses in a liquid, FDIC-insured account. Racine, Wisconsin high-yield savings rates currently average 1.968% APY, far above a typical checking account.
- Short-term savings goals (6–24 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 Racine, Wisconsin institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 17 institutions in Racine, 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 → Racine, Wisconsin CD rates
- You want check-writing flexibility → Racine, Wisconsin money market rates
- You need daily transaction access → Racine, Wisconsin checking rates
Racine, Wisconsin Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
13.9% of residents are 65 or older, below the national average of 17.3%. At today’s WI high-yield savings average of 1.968%, saving 10% of the local median salary ($3,660/year) would earn an additional $72 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Racine, Wisconsin Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Racine, Wisconsin.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current WI Avg APY | 1.968% | 0.814% | 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 – $100 | $25 – $100 | $0 – $2,500 | $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 | 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 Racine, Wisconsin averages tracked in our database as of September 22, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Racine, Wisconsin
At WI’s top rate of 3.25% from The Huntington National Bank, a $10,000 deposit earns $325 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Racine, Wisconsin earner is roughly $9,200. At 1.968% APY, saving $760/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 1.968% 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 Racine, Wisconsin earner makes $36,608/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 1.968% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 1.968% APY grows to roughly $36,918 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 Racine, 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 Racine, 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 Racine, 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 Racine, Wisconsin
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Racine, Wisconsin safe?
How often do savings rates change in Racine, 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 Racine, Wisconsin?
How do I open a savings account in Racine, Wisconsin?
Best Savings Rates in Racine, Wisconsin
- The Huntington National Bank
Relationship Savings Account: 3.25% APY - MCU Financial Center Credit Union
Money Tree Savings Accounts: 2.00% APY - Educators Credit Union
HSA (Health Savings Account): 0.76% APY - Johnson Bank
Health Savings Account (HSA): 0.45% APY - Landmark Credit Union WI
Health Savings Account Rate: 0.30% APY
Racine, Wisconsin Rates & Resources
