Ladysmith Federal S&L Rates and Review February 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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Ladysmith Federal S&L's Certificate of Deposit 1 Year rates are at 3.70%, 1 Year Certificates of Deposit rates are at 3.70%, IRA Certificate 3 Year rates are at 2.72%, IRA Certificate 5 Year rates are at 2.72%, IRA Certificate 2 Year rates are at 2.67%. Ladysmith Federal S&L's savings rates are at 0.55%. Ladysmith Federal S&L's money market rates are at 0.55%.
Rate Updates and AvailabilityLadysmith 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 RatioLadysmith Federal S&L's Texas Ratio is at 20.88%, which is considered good. The Texas Ratio for Ladysmith Federal S&L is higher 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
4.5
Excellent
Out of 5.0 Stars
Ladysmith Federal S&L has earned a Smart Rating of 4.5 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, Ladysmith Federal S&L is a excellent bank worth considering, with an overall rating of 4.5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. 
Ladysmith Federal S&L CD Rates
Ladysmith Federal S&L Savings Rates
Ladysmith Federal S&L Money Market Rates
Ladysmith Federal S&L Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Ladysmith Federal S&L 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 Ladysmith Federal S&L 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 Ladysmith Federal S&L's official website for the most current offers and terms.
Bank Profile & OverviewLadysmith Federal S&L
119 W 4th St NLadysmith, WI 54848 Rusk Established Date: 06/01/1934 FDIC Certificate #: 28983 Date of FDIC Deposit Insurance: 08/09/1989 How Many Domestic U.S. Offices? 1 How Many Branches are There? 1 Website: https://www.ladysmithfederal.com
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
Financial Health & AssetsTotal Assets:
$85,107,000
Total Deposits:
$64,666,000
Equity Capital:
$5,844,000
Net Income:
$105,000
Return on Assets (ROA):
0.4649%
Return on Equity (ROE):
7.1300%
Headquarters:
Ladysmith
Regulator:
OCC
# of Offices:
1
Source: FDIC | Last Updated 03/31/2024
Frequently Asked Questions About Ladysmith Federal S&LHow do I open an account at Ladysmith Federal S&L?You can typically open an account at Ladysmith Federal S&L by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, Ladysmith Federal S&L provides a range of mortgage and home equity products. Is Ladysmith Federal S&L a safe place to deposit money?Yes, Ladysmith Federal S&L is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does Ladysmith Federal S&L offer online and mobile banking?Most modern institutions like Ladysmith Federal S&L provide digital access including online balance checks and transfers. Compare to other Banks |
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