Headwaters State Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

  1. Home
  2. Banks
  3. Headwaters State Bank Deposit Rates
Today's 12-month CD rates can be found at 4.25%, 6-month CD rates at 0.75% and 3-month CD rates at 2.75%. Current savings rates are at 1.50% and money market rates are at 0.20%. Mortgage rates today on 30-year fixed loans are around 7.02%. Credit Card rates are at 14.24%. Personal Loan rates are at 13.45%. All these rates, and more, can be found in our database of rates. Headwaters State Bank's 60-Month CD rates are at 3.02%, 48-Month CD rates are at 3.02%, 36-Month CD rates are at 3.02%, 24-Month CD rates are at 2.52%, 12-Month CD rates are at 1.76%. Headwaters State Bank's savings rates are at 1.00%. Headwaters State Bank's money market rates are at 3.04%.

Headwaters State Bank

To see how these rates compare to Headwaters State Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Headwaters State Bank, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Headwaters State Bank CD rates. You can also compare Headwaters State Bank savings rates, MMA rates and mortgage rates using our other rate lists.

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

Headwaters State Bank Texas Ratio

Headwaters State Bank's Texas Ratio is at 0.99%, which is considered excellent. The Texas Ratio for Headwaters State Bank is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, Headwaters State Bank is an excellent bank worth considering, with an overall rating of 4 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
1.76%
18-Month CD
N/A
24-Month CD
2.52%
36-Month CD
3.02%
48-Month CD
3.02%
60-Month CD
3.02%
Savings
1.00%
MMA
3.04%
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Headwaters State Bank
4175 County Road B
Land O' Lakes, WI 54540
Member FDIC
MonitorBankRates' Rating
4/5
★★★★☆

Headwaters State Bank CD Rates and Interest Rates

Bank
Product
APY
Min Dep
Headwaters State Bank
Headwaters State Bank
Money Market
3.04%
$200,000
Headwaters State Bank
Headwaters State Bank
60-Month CD
3.02%
$1,000
Headwaters State Bank
Headwaters State Bank
48-Month CD
3.02%
$1,000
Headwaters State Bank
Headwaters State Bank
36-Month CD
3.02%
$1,000
Headwaters State Bank
Headwaters State Bank
24-Month CD
2.52%
$1,000
Headwaters State Bank
Headwaters State Bank
12-Month CD
1.76%
$1,000
Headwaters State Bank
Headwaters State Bank
NOW Checking
1.00%
$1,000
Headwaters State Bank
Headwaters State Bank
Passbook Savings
1.00%
$50
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare Headwaters State Bank Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Rolette State Bank
Rolette State Bank
12-Month CD
4.09%
$500
Prime Alliance Bank
Prime Alliance Bank
48-Month CD
4.00%
$500
Kish Bank
Kish Bank
18-Month CD
3.90%
$2,000
CNB Bank Direct
CNB Bank Direct
High Yield Savings
3.80%
$100
CorTrust Bank
CorTrust Bank
12-Month CD
3.75%
$500
S&T Bank
S&T Bank
12-Month CD
3.75%
$500
Randolph Brooks FCU
Randolph Brooks FCU
24-Month CD
3.75%
$1,000
Putnam County State Bank
Putnam County State Bank
48-Month CD
3.56%
$500
Ridgewood Savings Bank
Ridgewood Savings Bank
72-Month CD
3.55%
$100
Citizens Access
Citizens Access
12-Month CD
3.50%
$5,000
Comerica Bank & Trust, N.A.
Comerica Bank & Trust, N.A.
9-Month CD
3.50%
$5,000
The Bank of Bennington
The Bank of Bennington
12-Month CD
3.50%
$500
Touchmark Bank
Touchmark Bank
12-Month CD
3.50%
$1,000
Everence Trust Company
Everence Trust Company
30-Month CD
3.40%
$500
Exchange Bank of Alabama
Exchange Bank of Alabama
60-Month CD
3.17%
$1,000
First Bank Elk River
First Bank Elk River
12-Month CD
3.09%
$500
Marquette Savings Bank
Marquette Savings Bank
18-Month CD
3.03%
$500
Vast Bank
Vast Bank
Platinum Savings
3.00%
$100
First National Bank of Hutchinson
First National Bank of Hutchinson
60-Month CD
2.97%
$5,000
Coleman County State Bank
Coleman County State Bank
24-Month CD
2.94%
$1,000
Clear Lake Bank and Trust Company
Clear Lake Bank and Trust Company
36-Month CD
2.85%
$1,000
Coffee County Bank
Coffee County Bank
36-Month CD
2.75%
$1,000
Bank Forward
Bank Forward
30-Month CD
2.65%
$500
Metropolitan Capital B&T
Metropolitan Capital B&T
36-Month CD
2.50%
$5,000
PSECU
PSECU
Money Market
2.47%
$500
GCSB Swayzee, IN
GCSB Swayzee, IN
21-Month CD
2.47%
$1,000
Finworth
Finworth
3-Month CD
2.27%
$50,000
1st Liberty Federal Credit Union
1st Liberty Federal Credit Union
48-Month CD
1.97%
$500
Sacramento Deposit Bank
Sacramento Deposit Bank
48-Month CD
1.71%
$1,000
La Salle State Bank
La Salle State Bank
30-Month CD
1.51%
$1,000
SSB Scott State Bank
SSB Scott State Bank
60-Month CD
1.51%
$1,000
FCNB Bank
FCNB Bank
36-Month CD
1.50%
$1,000
City Credit Union
City Credit Union
Business Money Market
1.45%
$2,500
The Citizens Bank Company
The Citizens Bank Company
48-Month CD
1.31%
$1,000
FNB of Brookfield
FNB of Brookfield
6-Month CD
1.00%
$1,000
Armstrong County Building and Loan Association
Armstrong County Building and Loan Association
Passbook Savings
0.75%
$25
Longview Bank
Longview Bank
Money Market
0.75%
$2,500
United State Bank Lewistown, MO
United State Bank Lewistown, MO
Advantage Money Market
0.75%
$1,000
Federation Bank
Federation Bank
12-Month CD
0.55%
$500
Hamler State Bank
Hamler State Bank
24-Month CD
0.45%
$500
FSB of Cando
FSB of Cando
Premier Money Market
0.25%
$1,000
GCSB Swayzee, IN
GCSB Swayzee, IN
Golden Savings
0.25%
$25
Lake-Osceola State Bank
Lake-Osceola State Bank
Savings
0.25%
$0
Town & Country B&T Co.
Town & Country B&T Co.
6-Month CD
0.15%
$1,000
Gouverneur S&L
Gouverneur S&L
Money Market
0.10%
$2,500
HTLF Bank
HTLF Bank
UMB Retail Money Market
0.10%
$100
First Security Bank Byron, MN
First Security Bank Byron, MN
Advantage Checking
0.05%
$500
Mechanics Cooperative Bank
Mechanics Cooperative Bank
Classic Savings
0.05%
$100
Unison Bank
Unison Bank
Savings
0.03%
$0
Vibrant Credit Union
Vibrant Credit Union
18-Month CD
0.01%
$5
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates July 19, 2025

Lender
Product
Rate
APR
Points
3.990%
4.357%
0.750
4.250%
4.514%
0.750
4.500%
4.685%
0.750
5.560%
5.250%
0.000
15 Year Fixed
5.300%
5.390%
0.000
5.250%
5.491%
0.000
5.300%
5.494%
0.000
4.750%
5.507%
0.000
5.375%
5.525%
0.750
5.000%
5.531%
0.000
5.250%
5.545%
1.000
5.500%
5.569%
0.000
5.500%
5.614%
0.000
5.250%
5.629%
2.000
5.500%
5.637%
0.000
5.625%
5.693%
0.000
5.500%
5.728%
1.125
30-Year Fixed
5.560%
5.730%
0.000
5.500%
5.759%
0.000
15-Year Fixed Jumbo
5.750%
5.776%
0.000
15-Year Fixed
5.500%
5.785%
0.000
5.250%
5.791%
2.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Headwaters State Bank Information

Headwaters State Bank
4175 County Road B
Land O' Lakes, WI 54540
Vilas
Established Date: 09/01/1921
FDIC Certificate #: 9035
Date of FDIC Deposit Insurance: 01/01/1934
Bank Holding Company: LAKE SHORE III CORP
How Many Domestic U.S. Offices? 2
How Many Branches are There? 2
Is Headwaters State Bank FDIC Insured? Yes
What is Headwaters State Bank's Cert number? 9035
What is the maximum amount for insured deposits? $250,000 per holder, per account

Headwaters State Bank Financials

Total Assets:
$93,227,000
Total Deposits:
$76,155,000
Equity Capital:
$16,977,000
Domestic Deposits:
$76,155,000
Net Income:
$-111,000
Return on Assets:
0.9838%
Quarterly Return on Assets:
-0.4700%
Pretax Return on Assets:
-0.7503%
Pretax Quarterly Return on Assets:
-0.7500%
Return on Equity:
5.5900%
Quarterly Return on Equity:
-2.6000%
Leverage Tier 1 (Core Capital) Ratio:
11.5193%
Total Interest Income (YTD):
5.7275%
 
 
Headquarters:
Land O' Lakes
FDIC Field Office:
Appleton
Regulator:
FDIC
County:
Vilas
# of Offices:
2
Metropolitan Statistical Area (MSA):
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Central
FDIC Region:
Chicago
Source: FDIC Last Updated 03/31/2024

Explore Other Rate Deals

Mortgage rates on 30 year mortgages hit yet another low in 2011 and an all-time low in the most recent mortgage rates survey. Current mortgage rates on 30 year mortgages are down to 4.15% with 0.7 mortgage points for the week ending August 18, 2011, down from the prior week's average 30 year mortgage rate of 4.32%. Average rates are as reported in Freddie Mac's Primary Mortgage Market Survey.
The Federal Open Market Committee is scheduled to meet next month to decide the direction of monetary policy. All eyes will be on the Fed to see if they announce a federal funds rate hike. While a rate hike is more likely to happen next month than it was a few weeks ago, it still might not happen.
30 year mortgage rates today are averaging 3.96 percent, down from last week's average 30 year rate of 3.97 percent. This is the second consecutive week average 30 year mortgage rates remained under 4.00 percent. We do expect rates to increase because 10 year Treasury yields are up 14 basis points since Monday.

Bank or Credit Union Offers and Deals

A Quick Look at Recent Economic Numbers
Housing Relief in the Home Bailout Bill
NewDominion Bank 3 Month $50K CD Rates now at 0.25%
Mortgage Rates Lower: 30 Year Mortgage Rates at 5.14%
ableBanking, a division of Northeast Bank 2 Year CD Rates now at 0.70%
Today’s Mortgage Rates: Current 30 Year Mortgage Rates 4.87%, 15 Year Mortgage Rates at 4.16%
Fultdirect.com Money Market Account Jumbo Rates now at 0.10%
Savings Interest Account Rates and Yields in Baltimore, Maryland
Best Online Savings Rates at 1.05 Percent, 10 Times the FDIC National Average Savings Rates
Top 10 Savings Account Rates

Alternative Bank and Credit Union Offers to Explore

Mortgage Rates Will Head Higher this Year and in 2015
Houston, TX Auto Loan Rates
Orlando, Florida CD Interest Rates & CD Yields
Why Do Away with Freddie Mac and Fannie Mac? They are Finally Making Money Again
Outlook for Higher CD Rates in 2017 is Promising
Friends Bank Certificates of Deposit
Mortgage Rates Mixed This Week Freddie Mac: 30 Year Mortgage Rates Higher Averaging 4.37%, 15 Year Mortgage Rates Lower Averaging 3.82%
Pinnacle Bank Mortgage Rates
Retirement Accounts in the U.S. Recover From Losses During the Finanical Crisis
30 Year Rates Fall Below 3.50 as 548,000 Homes Regain Equity

Headwaters State Bank Reviews

There are no reviews for Headwaters State Bank yet. Feel free to create one below.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Headwaters State Bank
Your Name:
Your Rating:

See how Headwaters State Bank Compares to other banks