Ladysmith Federal S&L CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 0.20%, 6-month CD rates at 2.30% and 3-month CD rates at 2.00%. Current savings rates are at 0.75% and money market rates are at 3.75%. Mortgage rates today on 30-year fixed loans are around 6.65%. Credit Card rates are at 8.90%. Personal Loan rates are at 9.99%. All these rates, and more, can be found in our database of rates. Ladysmith Federal S&L's 60-Month CD rates are at 2.22%, 36-Month CD rates are at 2.12%, 24-Month CD rates are at 1.91%, 12-Month CD rates are at 1.76%. Ladysmith Federal S&L's savings rates are at 3.03%. Ladysmith Federal S&L's money market rates are at 0.55%.

Ladysmith Federal S&L

To see how these rates compare to Ladysmith Federal S&L CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Ladysmith Federal S&L, 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 Ladysmith Federal S&L CD rates. You can also compare Ladysmith Federal S&L savings rates, MMA rates and mortgage rates using our other rate lists.

Ladysmith Federal S&L 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 Ladysmith Federal S&L? Share your experience about Ladysmith Federal S&L by leaving a review below, or read customer reviews before you decide to use Ladysmith Federal S&L.

Ladysmith Federal S&L Texas Ratio

Ladysmith Federal S&L's Texas Ratio is at 14.33%, which is considered excellent. The Texas Ratio for Ladysmith Federal S&L is higher than the national average of all banks, currently at 6.24%. 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, Ladysmith Federal S&L is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
1.76%
18-Month CD
N/A
24-Month CD
1.91%
36-Month CD
2.12%
48-Month CD
N/A
60-Month CD
2.22%
Savings
3.03%
MMA
0.55%
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Ladysmith Federal S&L
119 W 4th St N
Ladysmith, WI 54848
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

Ladysmith Federal S&L CD Rates and Interest Rates

Bank
Product
APY
Min Dep
Ladysmith Federal S&L
Christmas Club Savings
3.03%
$0
Ladysmith Federal S&L
60-Month CD
2.22%
$1,000
Ladysmith Federal S&L
36-Month CD
2.12%
$1,000
Ladysmith Federal S&L
24-Month CD
1.91%
$1,000
Ladysmith Federal S&L
12-Month CD
1.76%
$1,000
Ladysmith Federal S&L
Money Market
0.55%
$1,000
Ladysmith Federal S&L
Gold Checking
0.20%
$250
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 Ladysmith Federal S&L Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Merchants Bank of Indiana
Merchants Bank of Indiana
12-Month CD (Flex Index)
5.92%
$1,000
State Bank Spirit Lake, IA
State Bank Spirit Lake, IA
6-Month CD
4.81%
$1,000
Minster Bank
Minster Bank
17-Month CD (Jumbo)
4.70%
$100,000
Trinity Bank, N.A.
Trinity Bank, N.A.
6-Month CD
4.70%
$1,000
Eureka Savings Bank
Eureka Savings Bank
6-Month CD
4.55%
$1,000
TowneBank
TowneBank
13-Month CD
4.51%
$1,000
Inova Federal Credit Union
Inova Federal Credit Union
18-Month CD
4.50%
$200
Alliance Community Bank
Alliance Community Bank
36-Month CD
4.07%
$1,000
North Dallas Bank & Trust (NDBT)
North Dallas Bank & Trust (NDBT)
18-Month CD
4.00%
$1,000
Watertown Savings Bank Watertown, MA
Watertown Savings Bank Watertown, MA
Premier Money Market
4.00%
$300,000
Peoples Savings Bank Urbana OH
Peoples Savings Bank Urbana OH
12-Month CD
3.82%
$500
First Federal Savings Bank Evansville, IN
First Federal Savings Bank Evansville, IN
24-Month CD (special)
3.75%
$500
Ivy Bank, a div of Cambridge Savings Bank
Ivy Bank, a div of Cambridge Savings Bank
36-Month CD
3.25%
$1,000
F&M State Bank Winterset, IA
F&M State Bank Winterset, IA
12-Month CD (Jumbo)
3.25%
$100,000
GSL Savings Bank
GSL Savings Bank
18-Month CD
3.08%
$500
Ukrainian Selfreliance Federal Credit Union
Ukrainian Selfreliance Federal Credit Union
3-Month CD
3.05%
$500
Phoenixville Federal B&T
12-Month CD
3.05%
$500
Union State Bank Winterset, IA
Union State Bank Winterset, IA
12-Month CD
3.02%
$50,000
Hanover Community Bank
Hanover Community Bank
24-Month CD
3.00%
$500
Collins State Bank
Collins State Bank
36-Month CD
3.00%
$1,000
Auburn Savings Bank
Auburn Savings Bank
Money Market Complete
3.00%
$500,000
The Bank of Elk River
The Bank of Elk River
60-Month CD
2.52%
$200
First Security Bank Mackinaw, IL
First Security Bank Mackinaw, IL
30-Month CD
2.50%
$1,000
Benchmark Community Bank
Benchmark Community Bank
36-Month CD
2.50%
$500
Vast Bank
Vast Bank
18-Month CD
2.25%
$1,000
Abri Credit Union
Abri Credit Union
24-Month CD
2.25%
$500
Ladysmith Federal S&L
60-Month CD
2.22%
$1,000
First Bank Elk River
First Bank Elk River
18-Month CD
2.07%
$1
LNB Community Bank
LNB Community Bank
18-Month CD
2.01%
$500
PSB Wellsburg, IA
PSB Wellsburg, IA
24-Month CD
1.95%
$1,000
First Enterprise Bank
First Enterprise Bank
3-Month CD
1.50%
$1,000
Bank of Washington
Bank of Washington
12-Month CD
1.15%
$500
Bank of Brenham
Bank of Brenham
60-Month CD
1.11%
$1,000
Citizens Bank Mooresville, IN
Citizens Bank Mooresville, IN
18-Month CD
1.00%
$500
State Bank of Graymont
State Bank of Graymont
12-Month CD
0.90%
$1,000
Citizens Bank of Kansas
Citizens Bank of Kansas
60-Month CD
0.75%
$500
Mid-Missouri Bank
Mid-Missouri Bank
18-Month CD
0.75%
$1,000
cfsbank
cfsbank
18-Month CD
0.70%
$1,000
Consumers Credit Union
Consumers Credit Union
6-Month CD
0.65%
$250
Citizens Bank & Trust Co. MN
Citizens Bank & Trust Co. MN
60-Month CD
0.65%
$500
Midland Federal S&L
Midland Federal S&L
24-Month CD
0.65%
$1,000
GN Bank
GN Bank
60-Month CD
0.60%
$1,000
Hancock County SB
Hancock County SB
12-Month CD
0.50%
$500
Savings Bank Wakefield, MA
Savings Bank Wakefield, MA
24-Month CD
0.30%
$1,000
Washington Savings Bank Lowell, MA
Washington Savings Bank Lowell, MA
12-Month CD
0.25%
$500
PyraMax Bank
PyraMax Bank
18-Month CD (Homebuyers)
0.20%
$100
Heritage Bank Minnesota
Heritage Bank Minnesota
Passbook Savings
0.10%
$100
Five Star Credit Union
Five Star Credit Union
Savings
0.05%
$5
First Northern Bank and Trust Company
First Northern Bank and Trust Company
Consumer Money Market
0.05%
$2,500
PNC Bank
PNC Bank
24-Month CD
0.02%
$1,000
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 22, 2024

Lender
Product
Rate
APR
Points
4.990%
5.287%
0.500
4.990%
5.353%
2.000
5.500%
5.540%
0.000
15 Year Fixed
5.500%
5.568%
0.000
5.500%
5.614%
0.000
6.500%
5.650%
0.000
5.500%
5.694%
0.250
5.500%
5.702%
1.000
5.500%
5.716%
0.500
5.500%
5.752%
0.000
5.550%
5.769%
0.000
15-Year Fixed
5.625%
5.777%
0.000
5.625%
5.777%
0.500
5.500%
5.803%
1.125
15-Year Fixed
5.750%
5.806%
0.000
5.500%
5.820%
0.000
5.625%
5.827%
0.000
5.625%
5.831%
0.000
5.750%
5.834%
0.000
5.750%
5.854%
0.000
5.750%
5.883%
0.500
5.750%
5.886%
0.000
5.500%
5.888%
1.875
6.000%
5.892%
0.000
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.

Ladysmith Federal S&L Information

Ladysmith Federal S&L
119 W 4th St N
Ladysmith, WI 54848
Rusk
Established Date: 06/01/1934
FDIC Certificate #: 28983
Date of FDIC Deposit Insurance: 10/13/1934
How Many Domestic U.S. Offices? 1
How Many Branches are There? 1
Is Ladysmith Federal S&L FDIC Insured? Yes
What is Ladysmith Federal S&L's Cert number? 28983
What is the maximum amount for insured deposits? $250,000 per holder, per account

Ladysmith Federal S&L Financials

Total Assets:
$78,456,000
Total Deposits:
$69,416,000
Equity Capital:
$5,432,000
Domestic Deposits:
$69,416,000
Net Income:
$60,000
Return on Assets:
0.4058%
Quarterly Return on Assets:
0.3100%
Pretax Return on Assets:
0.3588%
Pretax Quarterly Return on Assets:
0.3600%
Return on Equity:
5.4500%
Quarterly Return on Equity:
4.5500%
Common Equity Tier 1 Capital Ratio:
17.5996%
Tier 1 Risk-Based Capital Ratio:
17.5996%
Leverage Tier 1 (Core Capital) Ratio:
9.2172%
Total Risk-Based Capital Ratio (YTD):
18.6482%
Total Interest Income (YTD):
3.2762%
 
 
Headquarters:
Ladysmith
FDIC Field Office:
Eau Claire
Regulator:
OCC
County:
Rusk
# of Offices:
1
Metropolitan Statistical Area (MSA):
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Central
FDIC Region:
Chicago
Source: FDIC

Explore Other Rate Deals

Compare the features and benefits and determine with your tax for financial advisor which one is most appropriate for your circumstances.

Short term CD rates slowly crept higher this year because of the Fed's two fed funds rate hikes the past 6 months. The best 1 year CD rates increased from around 1.25 percent early in 2017 to around 1.50 percent today. The best 6 month rates increased from around 0.85 percent to 1.15 percent.

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