Headwaters State Bank Rates and Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Headwaters State Bank's 7-Month CD rates are at 3.99%, 14-Month CD rates are at 3.78%, 4 Year CD rates are at 2.77%, 5 Year CD rates are at 2.77%, 3 Year CD rates are at 2.52%. Headwaters State Bank's savings rates are at 0.50%. Headwaters State Bank's money market rates are at 1.00%. MonitorBankRates evaluates the financial stability of Headwaters State Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.56%. Rates were last updated on 03/04/2026.
Rate Updates and AvailabilityHeadwaters 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 RatioHeadwaters State Bank's Texas Ratio is at 0.56%, 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. MonitorBankRates Rating
5.0
Exceptional
Out of 5.0 Stars
Headwaters State Bank has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Headwaters State Bank is a exceptional bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Overall Health & Safety Grade
A+
Exceptional Health
Score: 100/100
Headwaters State Bank has earned an overall safety grade of A+. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 03/04/2026
Headwaters State Bank
4175 County Road B
Land O' Lakes, WI 54540 
Headwaters State Bank CD Rates
Headwaters State Bank Savings Rates
Headwaters State Bank Money Market Rates
Headwaters State Bank Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Headwaters 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 Headwaters 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 Headwaters State Bank's official website for the most current offers and terms.
Bank Profile & OverviewHeadwaters State Bank
4175 County Road BLand 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 Website: https://www.headwatersstatebank.com/
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
Financial Health & AssetsMonitorBankRates Star Rating:
5.0 / 5.0 ★
Overall Health & Safety Grade:
A+ (100/100)
Texas Ratio:
0.56%
Return on Assets (ROA):
0.9838%
Return on Equity (ROE):
5.5900%
Non-Performing Loans (NPL):
0.04%
Total Assets:
$117,440,000
Total Deposits:
$98,063,000
Equity Capital:
$19,051,000
Net Income:
$993,000
Headquarters:
Land O' Lakes
Regulator:
FDIC
# of Offices:
2
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Headwaters State BankHow do I open an account at Headwaters State Bank?You can typically open an account at Headwaters State Bank by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, Headwaters State Bank provides a range of mortgage and home equity products. Is Headwaters State Bank a safe place to deposit money?Yes, Headwaters State Bank is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does Headwaters State Bank offer online and mobile banking?Most modern institutions like Headwaters State Bank provide digital access including online balance checks and transfers. Compare to other Banks |
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