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Dairy State Bank Rates & Review March 2026

Dairy State Bank's savings rates are at 0.35%. Dairy State Bank's money market rates are at 0.40%. MonitorBankRates evaluates the financial stability of Dairy State Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.46%. Rates were last updated on 03/16/2026.

Dairy State Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Dairy State Bank? Share your experience about Dairy State Bank by leaving a review below, or read customer reviews before you decide to use Dairy State Bank.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.46%
Excellent Lower than avg
Dairy State Bank
16 S Main St
Rice Lake, WI 54868
https://www.dairystatebank.com
Member FDIC

Dairy State Bank Savings Rates

Product Rate APY View More
Christmas Club 0.50% 0.50%
Min Deposit $25
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.46%
Business Savings 0.35% 0.35%
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.46%
Junior Savers 0.35% 0.35%
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.46%
Personal Savings Account 0.35% 0.35%
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.46%

Dairy State Bank Money Market Rates

Product Rate APY View More
Money Market 3.00% 3.04%
Min Deposit $1,000,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.46%
Money Market 2.80% 2.84%
Min Deposit $500,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.46%
Money Market 2.65% 2.68%
Min Deposit $100,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.46%
Money Market 1.60% 1.61%
Min Deposit $25,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.46%
Money Market 0.95% 0.95%
Min Deposit $10,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.46%
Money Market 0.40% 0.40%
Min Deposit $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.46%

Dairy State Bank Checking Rates

Product Rate APY View More
Rewards Checking 0.30% 0.30%
Min Deposit $10,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.46%
Interest Checking 0.25% 0.25%
Min Deposit $500
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.46%
Small Business Interest Checking 0.25% 0.25%
Min Deposit $50,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.46%
Rewards Checking 0.20% 0.20%
Min Deposit $2,500
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.46%
Rewards Checking 0.15% 0.15%
Min Deposit $500
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.46%
Rewards Checking 0.10% 0.10%
Details Qualifying balance up to $500.00
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.46%
Small Business Interest Checking 0.10% 0.10%
Min Deposit $500
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.46%

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Dairy State Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Dairy State Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Dairy State Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Dairy State Bank
Bank Holding Company DAIRY STATE BCORP INC
Address 16 S Main St, Rice Lake, WI 54868  ·  Barron
FDIC Certificate # 17162
Established 01/02/1953
FDIC Insurance Date 01/02/1953
Domestic Offices 12
Total Branches 12
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 100/100
5.0
Exceptional Out of 5.0 Stars
0.46%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.3451%
Return on Equity (ROE) 4.4000%
Non-Performing Loans (NPL) 0.03%
Total Assets $732,198,000
Total Deposits $629,638,000
Equity Capital $77,713,000
Net Income $6,170,000
Headquarters Rice Lake
Total Offices 12
Source: FDIC  |  Last Updated 12/31/2025

Customer Reviews

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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Dairy State Bank

Is Dairy State Bank a safe place to deposit money?

Yes, Dairy State Bank is considered a safe financial institution. With a Texas Ratio of 0.4621161066718%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Dairy State Bank operate?

Dairy State Bank currently maintains approximately 12 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Dairy State Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Dairy State Bank provides members with tools to manage their accounts and build a solid financial history.

Does Dairy State Bank offer online and mobile banking?

Most modern institutions like Dairy State Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.dairystatebank.com.

Current Dairy State Bank Rates

  • Savings0.35%
  • MMA0.40%
Retrieved from our database of financial products. Rates subject to change.