Fish are much slower this time of year. Most panfish (at least in my area) shut off for the most part. Live bait would work, getting it right in front of their noses, but until the Spring temps start getting the water temps up, catching most of these kind of fish is just a fluke and an effort in patience. Catfish probably get slower, but wouldn't change up on their eating habits. I'd stick w/ the typical smelly baits, chicken livers etc. I also like to take shrimp, set them out and let them get nice and stinky and put them on a circle hook for cat.
Other types of fish may suit you better. Trout love the cold water, you can work them in the fall. Your typical summer patterns may not serve well, but the anything that mimics a bait fish should work.
I see your in WI. Maybe the state regs can clue you in on what is best for this time of year.