5.0
Our Rating

1) Nicolet National Bank

Savings APY: 0.40% with a minimum balance of $100

CD APY: 1-year – 3.00%, 3-year – 3.10%, and 5-year – 3.00% with a minimum deposit of $2500

Monthly Fees:

Federally Insured by: FDIC (Federal Deposit Insurance Corporation)

How many branches are in the State? Nicolet National Bank has 7+ branches in Wisconsin and 30,000+ ATMs nationwide

Pros:

  • Best Mobile banking App
  • Multiple Banking Products
  • Excellent bank interest

Cons

  • High fees in comparison to the average U.S. bank.
  • Bank has an out-of-network ATM fee of $1.50

Nicolet National Bank was founded in 2000 with its headquarters in Green Bay, Wisconsin. Nicolet National Bank has $3 billion in assets along with $3 billion in deposits, classifying it as a large bank. Nicolet National Bank lacks premium access to support representatives, with no options for live chat or all-day service.

Nicolet National Bank offers a mixture of product offerings, including savings accounts, checking accounts, money market accounts, CDs, mortgage products and credit cards. It has a fair savings rate; other popular banks have higher rates. Finding an institution with no-fee checking, in addition to a high interest rate savings account is your best bet for accruing the most income from your deposits while having convenient access to your funds.

5.0
Our Rating

2) CIT Bank

Savings APY: 3.25% with a minimum balance of $100

CD APY: 6-month to 5 years – 0.30% to 4.25% with a minimum deposit of $1K

Monthly Fees: no monthly fees

Federally Insured by: FDIC (Federal Deposit Insurance Corporation)

How many branches are in the State? No physical branch.

Pros:

  • One of the highest APYs available.
  • No monthly charges.
  • $100 as a minimum.

Cons

  • To get the highest APY, you must deposit $100 per month or keep a balance of at least $25,000.

A First Citizens BancShares subsidiary, CIT Group (CIT) is a provider of financial services in the United States. It offers financial services, such as factoring, cash management, treasury management, mortgage loans, Small Business Administration loans, leasing, and advisory services, largely to individuals, middle-market firms, and small businesses, mostly in North America. Digital access to accounts is available 4 hours a day.

5.0
Our Rating

3) U.S. Bank

Savings APY: 0.01%

CD APY: 0.05% for 1 month CD term, with a minimum deposit amount of $500

Monthly Fees: $4 on Standard Savings account

Insured by: FDIC (Federal Deposit Insurance Corporation)

How many branches are in the State? U.S. Bank has a nationwide presence, with over 108 bank branches and ATMs in Colorado.

Pros:

  • Open an account with one of the best and most highly recognized banks in the U.S.
  • Monthly maintenance fees are waivable
  • A broad range of savings and checking account bundles

Cons

  • Below-average savings APY rates
  • Opening a bank account requires a minimum daily balance
  • Higher monthly maintenance fees

U.S. Bank, based in Minneapolis, is the 5th largest bank in the United States, both in terms of deposits and assets. It has a nationwide presence in 40 states and also offers an online banking platform that allows you to access your accounts, pay bills, and make payments & transfers online.  The bank also has a robust mobile app.

It offers an array of banking & financial solutions, including personal banking, wealth management, business banking, corporate & commercial solutions, and institutional banking services.

5.0
Our Rating

4) Tri City National Bank

Savings APY: 0.01% with a minimum deposit of $100

CD APY: 1-year – 0.05%, 3-year – 0.20%, and 5-year – 0.40% with a minimum deposit of $500.

Monthly Fees: $5

Insured by: (Federal Deposit Insurance Corporation)

How many branches are in the State? Tri City National Bank is a brick-and-mortar bank, with 34 total bank locations in Wisconsin.

Pros:

  • Large bank owning $1 billion in assets
  • 100 surcharge-free ATMs in Wisconsin
  • 34 Branches in Wisconsin
  • Good mobile app

Cons

  • Low savings rate of 0.02% compared to another banks
  • Monthly Fees
  • ATM charges of $2

Tri City National Bank first started operating in 1963 and its headquarters are located in Oak Creek, Wisconsin.

It has assets totaling $1 billion and $1 billion in deposits, making it a large bank. Tri City National Bank has a diverse array of product offerings, including savings accounts, checking accounts, money market accounts, CDs, IRAs, brokerage accounts, mortgage products and credit cards. It has a fair savings rate, which means other popular banks have higher rates.

If you’re looking for a checking account for everyday use, the bank’s most basic checking does not carry a monthly charge. Tri City National Bank is a brick-and-mortar bank, with 34 total bank locations in Wisconsin. With mobile and web apps, Tri City National Bank makes account access straightforward, even on the go.

5.0
Our Rating

5) PNC Bank

Savings APY: 0.01% to 0.03%

CD APY: 1-year – 0.02%, 3-year – 0.02%, and 5-year – 0.02% with a minimum deposit of $1,000.

Monthly Fees: $5

Insured by: FDIC (Federal Deposit Insurance Corporation)

How many branches are in the State? The PNC bank has in total 2,629 branches and 9,523 ATMs and is present in around 27 states.

Pros:

  • Different customer service options available.
  • Many branches and ATMs.
  • Online money management options.

Cons

  • Rates differ from area to area.
  • Overdraft fees are expensive.

PNC Bank is headquartered in Pittsburgh, Pennsylvania, and employs nearly 60 thousand people. It was founded on April 10, 1845, and currently has total assets of US $557 billion.

PNC Bank is a financial institution that provides banking, investing, and other financial services to individuals, small businesses, and commercial clients. PNC Bank offers a variety of checking accounts, savings accounts, certificates of deposit (CDs), and money market accounts.

PNC Bank has been operating for more than 170 years and it has been ranked as one of the best banks in the United States. It provides services to all 50 US states, as well as to international customers.

5.0
Our Rating

6) UW Credit Union

Savings APY: 0.03% with a minimum deposit of $5

CD APY: 1-year – 0.95%, 3-year – 1.20%, and 5-year – 1.45% with a minimum deposit of $500.

Monthly Fees: No monthly fees

Insured by: NCUA (National Credit Union Administration)

How many branches are in the State? UW Credit Union has 31 locations in 18 cities across Wisconsin.

Pros:

  • One of the  largest credit union in the state of Wisconsin.
  • 100 surcharge-free ATMs in Wisconsin
  • Online & Mobile banking Facilities
  • No monthly Fees

Cons

  • Low-interest on savings and CDs

Founded in 1931 by six University of Wisconsin–Madison professors in the basement of the UW Student Housing Bureau, it was originally known as the University Faculty Credit Union (UFCU). In 1970, the name was changed to the University of Wisconsin Credit Union.

The University of Wisconsin Credit Union (doing business as UW Credit Union) is a credit union headquartered in Madison, Wisconsin. As of 2021, UW Credit Union has more than 300,000 members with $4.8 billion in assets and is the third largest credit union in the state of Wisconsin.

UW Credit Union currently operates 29 full-service branches throughout the Madison and Milwaukee metropolitan areas, as well as single locations at or near UW System campuses in Whitewater, Green Bay, La Crosse, Oshkosh, and Stevens Point.

It also provides over 100 surcharge-free ATMs in Wisconsin. UW Credit Union provides an array of financial services including educational loans, mortgages, consumer loans, checking, savings and investment products, credit and debit cards. UW Credit Union also offers digital banking services such as Web Branch (online banking), Mobile App and Wallet, Zelle, mobile deposit, online bill payment, automated phone banking system, and money transfers.

5.0
Our Rating

7) CoVantage Credit Union

Savings APY: 0.75% with a minimum deposit of $10

CD APY: 1-year – 2.50%, 3-year – 3.00%, and 5-year – 3.35% with a minimum deposit of $1,000.

Monthly Fees: No monthly fees

Insured by: NCUA (National Credit Union Administration)

How many branches are in the State? CoVantage Credit Union has 2 locations across Wisconsin.

Pros:

  • Online & Mobile banking
  • One of the highest APYs available.
  • No monthly Fees

Cons

  • Only 2 location across Wisconsin.
  • Low rates
  • Does not offer a signup bonus.

CoVantage Credit Union is a private company that has been in the industry for 70 years. The company currently specializes in the Financial Services area.

The position of the President is occupied by Charlie Zanayed. Its headquarters is located at Antigo, Wisconsin, USA.

The number of employees ranges from 100 to 250. The annual revenue of CoVantage Credit Union varies between 25M and 100M.

5.0
Our Rating

8) Capital Credit Union

Savings APY: 0.10% with a minimum deposit of $25

CD APY: 1-year – 2.50%, 3-year – 2.90%, and 5-year – 3.20% with a minimum deposit of $1K.

Monthly Fees: $8

Federally Insured by: NCUA (National Credit Union Administration)

How many branches are in the State? Capital Credit Union has 24 locations across Wisconsin.

Pros:

  • Different customer service options available.
  • 24 branches and 100+ surcharge free ATM,s across Wisconsin
  • Responsive mobile app

Cons

  • Does not offer a signup bonus.
  • Monthly fee

Pioneer Credit Union was the first credit union in the Green Bay area, holding its first organizational meeting on October 22, 1927. Over the years, many credit unions merged with Pioneer, making it a strong, solid financial institution. It was the “right thing” for the area.

Capital Credit Union was incorporated under the laws of the State of Wisconsin as Kimberly Credit Union on September 24, 1934. Kimberly-Clark employees and their families were eligible for membership, and the office was located inside the Kimberly-Clark Mill. The charter was changed to a community credit union In 1970, and in 1996, the name was changed to Capital Credit Union, “making it happen” for our members.

On July 1, 2014, Capital Credit Union and Pioneer Credit Union formed a partnership to become the “new” Capital Credit Union, “doing the right thing” for our members and the communities we serve. From finances to volunteerism and everything in between, it’s about advocating for our members.

Capital CU has more than 115,000 members and is chartered to serve the needs of members throughout Northeastern Wisconsin counties: Brown, Calumet, Door, Kewaunee, Manitowoc, Marinette, Menominee, Oconto, Outagamie, Shawano, Waupaca, or Winnebago.

5.0
Our Rating

9) Altra Federal Credit Union

Savings APY: 0.05% with a minimum deposit of $5

CD APY: Choose a 6- to 60-month fixed-rate investment with very competitive tiered dividend rates with a minimum deposit of $1K

Monthly Fees: $10

Insured by: NCUA (National Credit Union Administration)

How many branches are in the State?

Pros:

  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Considers applicants with fair credit.
  • Cardholders can earn rewards on their purchases.
  • Altra Federal Credit Union Visa® Go Credit Card reports to multiple credit bureaus.
  • Large Assets Size

Cons

  • Only 1 location exist in New Jersy
  • Low rates
  • Does not offer a signup bonus.
  • You don’t earn rewards on every purchase.

Since 1931, Altra Federal Credit Union has been helping members achieve their dreams. Today Altra has more than 90,000 members and $1 billion in assets.

Altra has offices in Arkansas, Colorado, Kentucky, Minnesota, New Jersey, Tennessee, Texas and Wisconsin. Altra Federal Credit Union is a nonprofit financial cooperative with locations in eight states. Their members benefit from competitive products and services with low rates and fees.

5.0
Our Rating

10) Royal Credit Union

Savings APY: 0.45% with a minimum deposit of $5

CD APY: 1-year – 3.25%, 3-year – 2.40%, and 5-year – 2.70% with No minimum balance

Monthly Fees: no monthly fees

Insured by: NCUA (National Credit Union Administration)

How many branches are in the State? Royal Credit Union (RCU) has 19 full-service branches in Wisconsin and 4 full-service branches in Minnesota, although it has members in all 50 U.S. states.

Pros:

  • Certified as a community development financial institution, so it primarily serves low-income and disadvantaged communities
  • Solid interest rates on savings, CDs, and money market accounts compared to other brick-and-mortar financial institutions
  • No monthly maintenance fees
  • Free stop payments for checking account
  • No out-of-network ATM fees

Cons

  • High minimum opening deposit for money market account
  • High CD early withdrawal penalties for some terms
  • Online banks may pay higher rates for savings options
  • Interest compounded monthly, not daily

Royal Credit Union (RCU) is a credit union that was founded in April 1964 and is based in Eau Claire, Wisconsin. Currently, it has over 249,000 members and is the fifth largest credit union headquartered in Wisconsin as measured by assets, managing over US $3.91 billion. RCU is regulated under the authority of the National Credit Union Administration  (NCUA) of the U.S. Federal government. Royal Credit Union is also notable for its nonprofit RCU Foundation, which holds fundraising events to support capital projects for the arts, education, and health in the communities Royal Credit Union serves

Royal Credit Union was originally created by employees of the Uniroyal Tire Company in Eau Claire, WI in April 1964. Royal started with 619 credit union members and $121,000 in assets in its first year.

In 1972, Royal started to add employees from other companies, with 27 new employee groups added in the next two years. In 1974, Royal became a community chartered credit union, meaning that anyone who lived in Eau Claire or Chippewa County could join. At the end of 1990, Royal had over $158 million in assets and 45,872 members.

Growth continued in the following decades. In 2009, Royal merged with REAL Credit Union in Minnesota. In 2016, Royal acquired Capital Bank in Saint Paul, Minnesota  and Deerwood Bank in Apple Valley, Minnesota.  By 2018, Royal had 200,000 members.