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First State Bank New London, WI Rates & Review October 2026

First State Bank New London, WI's top rates as of October 12, 2026 are 3.30% APY on its CDs/IRAs - 7-Month Special CD, and 0.02% APY on savings, according to rates verified by MonitorBankRates. Other First State Bank New London, WI CD rates include 60-Months CDs/IRAs - 60-Month at 1.71%, 48-Months CDs/IRAs - 48-Month at 1.66%, and 36-Months CDs/IRAs - 36-Month at 1.61%. MonitorBankRates evaluates the financial stability of First State Bank New London, WI with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.94%. Rates last updated and verified on 10/12/2026.

First State Bank New London, WI 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 First State Bank New London, WI? Share your experience about First State Bank New London, WI by leaving a review below, or read customer reviews before you decide to use First State Bank New London, WI.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.94%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
First State Bank
220 W Waupaca St
New London, WI 54961
https://www.bankfirststate.com
MemberFDIC
Customer Reviews
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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

First State Bank New London, WI CD Rates

Product Rate APY Term View More
CDs/IRAs - 7 Month Special 3.25% 3.30% 7 Month
Min Deposit $500
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 8, 2026: 3.30% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.94%
CDs/IRAs - 60 month 1.70% 1.71% 60 Months
Min Deposit $500
Last Updated 10/12/2026
Rate History
No change since Sep 28, 2026 · 1.71% APY · checked 4 times
1.21%1.71%2.21%Sep 28, 2026: 1.71% APYSep 28, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.94%
CDs/IRAs - 48 month 1.65% 1.66% 48 Months
Min Deposit $500
Last Updated 10/12/2026
Rate History
No change since Sep 28, 2026 · 1.66% APY · checked 4 times
1.16%1.66%2.16%Sep 28, 2026: 1.66% APYSep 28, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.94%
CDs/IRAs - 36 month 1.60% 1.61% 36 Months
Min Deposit $500
Last Updated 10/12/2026
Rate History
No change since Sep 28, 2026 · 1.61% APY · checked 4 times
1.11%1.61%2.11%Sep 28, 2026: 1.61% APYSep 28, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.94%
CDs/IRAs - 24 month 1.55% 1.56% 24 Months
Min Deposit $500
Last Updated 10/12/2026
Rate History
No change since Sep 28, 2026 · 1.56% APY · checked 4 times
1.06%1.56%2.06%Sep 28, 2026: 1.56% APYSep 28, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.94%
CDs/IRAs - 18 month 1.50% 1.51% 18 Months
Min Deposit $500
Last Updated 10/12/2026
Rate History
No change since Sep 28, 2026 · 1.51% APY · checked 4 times
1.01%1.51%2.01%Sep 28, 2026: 1.51% APYSep 28, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.94%
CDs/IRAs - 12 month 1.45% 1.46% 12 Months
Min Deposit $500
Last Updated 10/12/2026
Rate History
No change since Sep 28, 2026 · 1.46% APY · checked 4 times
0.96%1.46%1.96%Sep 28, 2026: 1.46% APYSep 28, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.94%
CDs/IRAs - 6 month 0.45% 0.45% 6 Months
Min Deposit $500
Last Updated 10/12/2026
Rate History
No change since Sep 28, 2026 · 0.45% APY · checked 4 times
0.00%0.48%0.95%Sep 28, 2026: 0.45% APYSep 28, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.94%
CDs/IRAs - 3 month 0.35% 0.35% 3 Months
Min Deposit $500
Last Updated 10/12/2026
Rate History
No change since Sep 28, 2026 · 0.35% APY · checked 4 times
0.00%0.43%0.85%Sep 28, 2026: 0.35% APYSep 28, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.94%

First State Bank New London, WI Savings Rates

Product Rate APY View More
Christmas Club Savings 0.02% 0.02%
Min Deposit $5
Min Balance $0
Details Balance: $0.01
Last Updated 10/12/2026
Rate History
No change since Sep 28, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Sep 28, 2026: 0.02% APYSep 28, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.94%
Youth Savings 0.02% 0.02%
Min Deposit $25
Min Balance $0
Details Balance: $0.01
Last Updated 10/12/2026
Rate History
No change since Sep 28, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Sep 28, 2026: 0.02% APYSep 28, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.94%

First State Bank New London, WI Business Savings Rates

Product Rate APY View More
Regular Savings & Business Savings 0.02% 0.02%
Min Deposit $100
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.02% APY
0.00%0.26%0.52%Oct 12, 2026: 0.02% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.94%

First State Bank New London, WI Other Rates

Product Rate Points APY/APR Term View More
First Performance Banking 2.00% - 2.00%
Min Deposit $100
Min Balance $0
Details Qualifications Required: One recurring direct deposit to the account per month; Enrolled in eStatements within thirty (30) calendar days of account opening; Maintain Minimum Daily Balance of $5,000 total in owned personal deposit accounts; or make 15 debit card purchases of $10 or more; Interest Earned: A premium interest rate of 2.00% (APY 2.00%) will be paid on daily balances of $0.01 up to $15,000.00 if all requirements are met. For balances greater than $15,000.00, an interest rate of 0.01% (APY 0.01%) will be paid on the remaining daily balance. The APY will range from 0.01% to 2.00%, depending on the balance in the account. When qualifications are not met during statement cycle, the account will earn an interest rate of 0.01% (APY 0.01%) on the total daily balance.
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 8, 2026: 2.00% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.94%
First Performance Banking 2.00% - 2.00%
Min Deposit $100
Details inferred product name from layout; tier likely $0.01 - $15,000.00 (unconfirmed)
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.94%
First Performance Banking 0.01% - 0.01%
Min Deposit $100
Details inferred product name and tier ($15,000.01 +) from layout; unconfirmed
Last Updated 10/12/2026
Rate History
1 change since Sep 14, 2026 · 2.00% → 0.01% ▼ 1.99 pts · high 2.00% / low 0.01%
0.00%2.00%3.99%Sep 14, 2026: 2.00% APYOct 12, 2026: 0.01% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20260.01%▼ from 2.00%
  • Sep 14, 20262.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.94%
Municipal Banking & Non-Profit Banking 0.20% - 0.20%
Min Deposit $0
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.20% APY
0.00%0.35%0.70%Oct 12, 2026: 0.20% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.94%

Financial Health History

First State Bank New London, WI’s Texas Ratio stayed near 1.25% in Q3 2023 to 0.94% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 4.8 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 0.4% 2.0★ 0.8% 3.0★ 1.3% 4.0★ 1.7% 5.0★ Healthy zone – entire history below the 15% limit 1.25% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 0.94% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$558M0.94%5.0A+
March 31, 2026$554M1.02%5.0A+
December 31, 2025$564M0.62%5.0A+
September 30, 2025$523M0.59%5.0A+
June 30, 2025$523M0.55%5.0A+
March 31, 2025$524M0.58%5.0A+
December 31, 2024$536M0.62%5.0A+
September 30, 2024$529M0.64%5.0A+
June 30, 2024$529M1.03%5.0A+
March 31, 2024$551M1.03%5.0A+
December 31, 2023$548M1.04%5.0A+
September 30, 2023$537M1.25%4.8A+
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First State Bank New London, WI 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 First State Bank New London, WI 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 First State Bank New London, WI's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First State Bank New London, WI
Bank Holding Company FIRST STATE BANCSHARES INC
Address 220 W Waupaca St, New London, WI 54961  ·  Waupaca
FDIC Certificate # 15271
Established 19110101
FDIC Insurance Date 19340101
Domestic Offices 8
Total Branches 8
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
0.94%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.8273%
Return on Equity (ROE) 9.4200%
Non-Performing Loans (NPL) 0.08%
Total Assets $558,088,000
Total Deposits $449,776,000
Equity Capital $49,917,000
Net Income $2,311,000
Headquarters New London
Total Branches and Offices 8
Source: FDIC  |  Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

First State Bank New London, WI earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/banks/first-state-bank-new-london-wi-rates-review-15271">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About First State Bank New London, WI

How many branches does First State Bank New London, WI operate?

First State Bank New London, WI currently maintains approximately 8 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, First State Bank New London, WI 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, First State Bank New London, WI provides members with tools to manage their accounts and build a solid financial history.

Does First State Bank New London, WI offer online and mobile banking?

Most modern institutions like First State Bank New London, WI 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.bankfirststate.com.

Current First State Bank New London, WI Rates

  • 12-Month CD1.46%
  • 18-Month CD1.51%
  • 24-Month CD1.56%
  • 36-Month CD1.61%
  • 48-Month CD1.66%
  • 60-Month CD1.71%
  • Savings0.02%
Retrieved from our database of financial products. Rates subject to change.