Compare the best banks and credit unions in Wisconsin — up to 0.40% APY, verified fees, minimums, and membership rules from 47+ local institutions.
Wisconsin residents have access to a mix of state-chartered credit unions, regional community banks, and nationwide online banks. This page ranks the strongest options for savings APY, checking rewards, and CD specials — all verified against the institution's own rate page as of September 2026.
Best banks and credit unions in Wisconsin 2026
Landmark Credit Union — CD: 4.40% APY, $500 min, no monthly fee. 12 months Certificate Account: Minimum balance to open certificate is $500; personal accounts only; there is a penalty for early certificate withdrawal; rates effective as of September 3, 2026. Read Sep 7, 2026 on landmarkcu.com. Rates as of 2026-09-03 per the page.
Royal Credit Union — CD: 3.77% APY, no minimum, no monthly fee. 12 Month Certificate: No minimum balance required to open account or earn APY; substantial penalty for early withdrawal; APY current as of 07/06/2026; read on rcu.org/rates/certificate-rates. The homepage advertises '3.77% APY* 12-Month Certificate Special Offer', which is the same figure as the standard 12 Month term on the rate table. Read Sep 7, 2026 on rcu.org.
UW Credit Union — CD: 3.25% APY, $500 min, no monthly fee. 12 Month Certificate: Regular certificate, $500 minimum balance; read on uwcu.org/rates/certificates; 7-month and 14-month specials pay 4.00% APY at a $5,000 minimum; APYs current as of 9/4/2026. Read Sep 7, 2026 on uwcu.org. Rates as of 2026-09-04 per the page.
Johnson Financial Group — CD: 2.80% APY, $2,000 min, no monthly fee. 12-month Certificate of Deposit Accounts (CD) - 1 year: $2,000 initial minimum deposit; interest paid annually; CD Specials of 9, 13, 18 and 33 months pay 3.40%-3.55% APY at a $5,000 minimum and are a separate table. Read Sep 7, 2026 on johnsonfinancialgroup.com. Rates as of 2026-09-06 per the page.
Lake Ridge Bank — CD: 2.37% APY, $1,000 min, no monthly fee. 12-month 12-23 Months CD: Min. Opening Balance $1,000; the nearest standard term to 12 months is the 12-23 month band; Personal CD Specials of 13, 22 and 32 months pay 3.02%, 3.19% and 3.80% APY at $1,000; a penalty may be imposed for early withdrawal; rates effective September 1, 2026. Read Sep 7, 2026 on lakeridge.bank. Rates as of 2026-09-01 per the page.
Bank First — CD: 2.28% APY, $1,000 min, no monthly fee. 12 Month CD: $1,000 minimum balance to open account and no minimum balance to earn APY; a penalty may be imposed for early withdrawal; the 7/11/23/35 month CD Specials (3.750%-4.180% APY) require $5,000 minimum to open as well as an active Bank First checking account with direct deposit. Read Sep 7, 2026 on bankfirst.com.
Educators Credit Union — CD: 2.25% APY, $500 min, no monthly fee. 12-month 1 Year Share Certificate: Rates are for new share certificates only and require $500 minimum; a penalty will or may be imposed for early withdrawal; rates effective as of 09/01/2026. Read Sep 7, 2026 on ecu.com. Rates as of 2026-09-01 per the page.
One Community Bank — CD: 2.25% APY, $500 min, no monthly fee. 12-month 1 year CD: Minimum Deposit to Open $500; a penalty may be imposed for early withdrawal; a 1 Year (Promo) CD pays 3.50% APY but requires $10,000; rates effective as of July 1, 2026. Read Sep 7, 2026 on onecommunity.bank. Rates as of 2026-07-01 per the page.
Every bank with a branch in Wisconsin
185 FDIC-insured banks run 1,575 full-service offices in Wisconsin. 161 of them are community banks, and 138 operate nowhere else. This is the federal record: every figure below is the regulator's own.
BMO Bank National Association — 139 offices in Wisconsin, of 957 nationwide, holding $22.8bn at 30 June 2025, leverage ratio 11.29%.
Tri City National Bank — 24 offices in Wisconsin, and nowhere else, holding $1.67bn at 30 June 2025, leverage ratio 11.10%.
Deposits by office come from the FDIC Summary of Deposits, counted each 30 June; the leverage ratio is capital as a share of assets, from each bank's latest Call Report. Nothing here is blended into a score. Search by ZIP to see the offices nearest you.
Every bank we publish a page for in Wisconsin
29 of them, largest first. Each page carries the bank's own Call Report figures and every office it runs.
Every office we publish a page for in Wisconsin, by town. Each carries what that branch holds, when it opened and the other branches within five miles.
154 federally insured credit unions run 725 offices in Wisconsin, between them serving 6,515,232 members. 64 carry the NCUA's low-income designation. Figures are from each credit union's own NCUA Call Report.
Ent — 3 offices in Wisconsin, 948,633 members, $19.5bn in assets, net worth ratio 11.54%.
Summit — 57 offices in Wisconsin, 278,241 members, $8.30bn in assets, net worth ratio 10.26%.
Landmark — 37 offices in Wisconsin, 406,664 members, $7.73bn in assets, net worth ratio 10.59%.
Community First — 29 offices in Wisconsin, 165,633 members, $6.66bn in assets, net worth ratio 12.78%.
University of Wisconsin — 42 offices in Wisconsin, 391,476 members, $6.60bn in assets, net worth ratio 9.12%.
Baxter — 1 office in Wisconsin, 369,985 members, $6.50bn in assets, net worth ratio 10.10%.
Trustone Financial — 4 offices in Wisconsin, 221,057 members, $6.06bn in assets, net worth ratio 10.80%.
Royal — 49 offices in Wisconsin, 339,177 members, $5.90bn in assets, net worth ratio 10.46%.
Covantage — 18 offices in Wisconsin, 184,471 members, $4.19bn in assets, net worth ratio 9.51%.
Connexus — 11 offices in Wisconsin, 425,699 members, $4.15bn in assets, net worth ratio 7.37%.
Advia — 8 offices in Wisconsin, 186,725 members, $3.97bn in assets, net worth ratio 9.79%.
Educators — 26 offices in Wisconsin, 232,112 members, $3.89bn in assets, net worth ratio 13.94%.
A credit union is measured differently from a bank and the numbers are not interchangeable: the net worth ratio here is the NCUA's capital measure under 12 CFR 702, where 7% is well capitalised, and shares are the credit union equivalent of deposits. Membership usually turns on where you live or work, so a local credit union is often open to you even when its name suggests otherwise.
What makes a Wisconsin bank account worth opening
Look at four things in order: the APY (does it beat the FDIC national average of about 0.60%?), the monthly fee (anything above $0 should come with a clear waiver path), the minimum opening deposit, and the membership rule for credit unions. Wisconsin residents typically qualify for at least one large state-chartered credit union on residency alone, and that credit union is often the highest-APY option available locally.
Is my money safe at a Wisconsin bank or credit union?
Yes, if the institution is federally insured. FDIC covers banks up to $250,000 per depositor, per ownership category; NCUA covers credit unions at the same limits. Every institution in this directory carries one of those insurances — the FDIC or NCUA ID is listed on the full provider row.
Rates and fees change frequently. Confirm current figures directly with each institution before applying, and see our editorial methodology for how this directory is built and maintained.