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Wisconsin Savings Rate Trends

Watertown, Wisconsin (WI) Savings Rates - March 2026

The best savings rates for Watertown, Wisconsin and the surrounding area include Fort Community Credit UnionFort Community Credit Union633 S Church St, Watertown, WI 53094A5.0 ★Texas Ratio: 6.90% TBD Savings at 5.12% APY, Bank First, NABank First, NA104 W Main St, Watertown, WI 53094A+5.0 ★Texas Ratio: 0.91% Investment Savings at 3.35% APY, State Bank of ReesevilleState Bank of Reeseville1312 W Main St, Watertown, WI 53098A+5.0 ★Texas Ratio: 0.00% IRA Savings at 1.00% APY, Landmark Credit UnionLandmark Credit Union1901 Market Way, Watertown, WI 53094A+5.0 ★Texas Ratio: 3.95% Health Savings Account Rate at 0.30% APY, and Bank of Lake MillsBank of Lake Mills400 Bernard St, Watertown, WI 53094A+5.0 ★Texas Ratio: 0.45% Personal Savings at 0.10% APY. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.

To see how these savings rates in Watertown, 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 Watertown, Wisconsin (WI) are continually updated — we recommend checking back frequently.

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

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

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
633 S Church St, Watertown, WI 53094
TBD Savings
5.12%
$5
Rate5.00%
Min Deposit$5
Min Balance
UpdatedMar 26, 2026
Details

Qualifying balance up to $1,000.00

Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
633 S Church St, Watertown, WI 53094
Goal Getter Savings
3.56%
$5
Rate3.50%
Min Deposit$5
Min Balance
UpdatedMar 26, 2026
Details

Qualifying balance up to $15,000.00

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
104 W Main St, Watertown, WI 53094
Investment Savings
3.35%
$50,000
Rate3.31%
Min Deposit$50,000
Min Balance
UpdatedMar 16, 2026
Details

$250,000.00 - $499,999.99

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
104 W Main St, Watertown, WI 53094
Investment Savings
3.00%
$50,000
Rate2.97%
Min Deposit$50,000
Min Balance
UpdatedMar 16, 2026
Details

$150,000.00 - $249,999.99

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
104 W Main St, Watertown, WI 53094
Investment Savings
2.50%
$50,000
Rate2.48%
Min Deposit$50,000
Min Balance
UpdatedMar 16, 2026
Details

$50,000.00 - $149,999.99

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
104 W Main St, Watertown, WI 53094
Savings Elite
1.66%
$0
Rate1.65%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$100,000.00 & Over

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
104 W Main St, Watertown, WI 53094
Savings Elite
1.41%
$0
Rate1.40%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$25,000.00 to $99,999.99

State Bank of Reeseville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1312 W Main St, Watertown, WI 53098
IRA Savings
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
104 W Main St, Watertown, WI 53094
Savings Elite
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$10,000.00 to $24,999.99

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
104 W Main St, Watertown, WI 53094
Savings Elite
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$2,500.00 to $9,999.99

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
104 W Main St, Watertown, WI 53094
Health Savings Account
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$25,000.00 & Over

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
104 W Main St, Watertown, WI 53094
IRA Savings
0.40%
$0
Rate0.40%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$25,000.00 to $99,999.99

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
104 W Main St, Watertown, WI 53094
Health Savings Account
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$10,000.00 to $24,999.99

Landmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
1901 Market Way, Watertown, WI 53094
Health Savings Account Rate
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
633 S Church St, Watertown, WI 53094
Health Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
104 W Main St, Watertown, WI 53094
First Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$25,000.00 & Over

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
104 W Main St, Watertown, WI 53094
Health Savings Account
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$2,500.00 to $9,999.99

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
104 W Main St, Watertown, WI 53094
IRA Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$10,000.00 to $24,999.99

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
104 W Main St, Watertown, WI 53094
Holiday Savings
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$25,000.00 & Over

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
104 W Main St, Watertown, WI 53094
First Savings Business
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$25,000.00 & Over

State Bank of Reeseville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1312 W Main St, Watertown, WI 53098
Savings Account
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
633 S Church St, Watertown, WI 53094
Health Savings
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
104 W Main St, Watertown, WI 53094
IRA Savings
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$2,500.00 to $9,999.99

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
104 W Main St, Watertown, WI 53094
First Savings
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$2,500.00 to $9,999.99

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
104 W Main St, Watertown, WI 53094
First Savings Business
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$10,000.00 to $24,999.99

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
104 W Main St, Watertown, WI 53094
Health Savings Account
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$2,499.99 & Under

Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
633 S Church St, Watertown, WI 53094
Health Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Bank of Lake Mills
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
400 Bernard St, Watertown, WI 53094
Personal Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Bank of Lake Mills
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
400 Bernard St, Watertown, WI 53094
Business Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
104 W Main St, Watertown, WI 53094
IRA Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$2,499.99 & Under

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
104 W Main St, Watertown, WI 53094
Holiday Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$10,000.00 to $24,999.99

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
104 W Main St, Watertown, WI 53094
First Savings Business
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$2,499.99 & Under

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
104 W Main St, Watertown, WI 53094
First Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$2,499.99 & Under

Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
109 Oakridge Ct, Watertown, WI 53094
Statement Savings 5
0.08%
$50
Rate0.08%
Min Deposit$50
Min Balance
UpdatedMar 27, 2026
Details

Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
633 S Church St, Watertown, WI 53094
Special Savings
0.05%
$5
Rate0.05%
Min Deposit$5
Min Balance
UpdatedMar 26, 2026
Details

Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
633 S Church St, Watertown, WI 53094
Regular Savings
0.05%
$5
Rate0.05%
Min Deposit$5
Min Balance
UpdatedMar 26, 2026
Details

Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
633 S Church St, Watertown, WI 53094
Health Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Landmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
1901 Market Way, Watertown, WI 53094
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%
1901 Market Way, Watertown, WI 53094
Business Savings Account Rate
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
104 W Main St, Watertown, WI 53094
Holiday Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$2,499.99 & Under

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
104 W Main St, Watertown, WI 53094
Investment Savings
0.00%
$50,000
Rate0.00%
Min Deposit$50,000
Min Balance
UpdatedMar 16, 2026
Details

$49,999.99 & Under

Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
633 S Church St, Watertown, WI 53094
Health Savings
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 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

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

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

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.

Watertown, WI Savings Rate Trends

Compare local Watertown, 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
1.228%
▼ 1.836 from last week

Wisconsin high-yield savings rates fell 1.836 points this week to 1.228% APY, down from 3.064% last week.

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

Wisconsin standard savings rates rose 0.014 points this week to 0.493% APY, up from 0.479% last week.

As of Mar 28, 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 Watertown, 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 Watertown, 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 Watertown, 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 Watertown, 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 Watertown, 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 Watertown, 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 Watertown, Wisconsin?

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

How do I open a savings account in Watertown, 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 Watertown, Wisconsin

Here are recent savings rates observed in Watertown, Wisconsin and the surrounding area:
  • Fort Community Credit Union
    TBD Savings — 5.12% APY
  • Bank First, NA
    Investment Savings — 3.35% APY
  • State Bank of Reeseville
    IRA Savings — 1.00% APY
  • Landmark Credit Union
    Health Savings Account Rate — 0.30% APY
  • Bank of Lake Mills
    Personal Savings — 0.10% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Watertown, Wisconsin. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 27, 2026