|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
Ladysmith Federal S&L Rates & Review April 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.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 11, 2026
Ladysmith Federal S&L's 1 Year Certificates of Deposit rates are at 3.70%, 3 Year Certificates of Deposit rates are at 2.47%, 5 Year Certificates of Deposit rates are at 2.47%, 2 Year Certificates of Deposit rates are at 2.42%, 6-Month Certificates of Deposit rates are at 1.51%. Ladysmith Federal S&L's savings rates are at 0.55%. Ladysmith Federal S&L's money market rates are at 0.55%. MonitorBankRates evaluates the financial stability of Ladysmith Federal S&L with a 5.0 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 20.88%. Rates were last updated on 04/11/2026. 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 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 & Overview
Institution Name
Ladysmith Federal S&L
FDIC Certificate #
28983
Address
119 W 4th St N,
Ladysmith, WI 54848 · Rusk
Website
https://www.ladysmithfederal.com
Established
06/01/1934
FDIC Insurance Date
08/09/1989
Domestic Offices
1
Total Branches
1
Regulator
OCC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsB+
Overall Health Grade
Score: 90/100
5.0
Exceptional
Out of 5.0 Stars
20.88%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.4649%
Return on Equity (ROE)
7.1300%
Non-Performing Loans (NPL)
0.77%
Total Assets
$93,961,000
Total Deposits
$71,364,000
Equity Capital
$7,376,000
Net Income
$502,000
Headquarters
Ladysmith
Total Offices
1
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Ladysmith Federal S&LIs Ladysmith Federal S&L a safe place to deposit money?Yes, Ladysmith Federal S&L is considered a safe financial institution. With a Texas Ratio of 20.882713526767%, the institution's financial health is rated as stable. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does Ladysmith Federal S&L operate?Ladysmith Federal S&L currently maintains approximately 1 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, Ladysmith Federal S&L 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, Ladysmith Federal S&L provides members with tools to manage their accounts and build a solid financial history. Does Ladysmith Federal S&L offer online and mobile banking?Most modern institutions like Ladysmith Federal S&L 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.ladysmithfederal.com. Current Ladysmith Federal S&L Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Banks
West Town Bank & Trust
First Community Bank Harbor Springs, MI
Mid America Bank
Green Belt Bank & Trust
Farmers State Bank Lake View, IA
Bank of Mauston
First Federal S&L Bath
Community West Bank
Community Bank and Trust - West Georgia
BSV Bank of Southside Virginia
First State Bank of DeKalb County
Pioneer Bank Mapleton, MN
Homewood Federal SB
Citizens State Bank Wyoming, IA
Foresight Bank
Home Bank of California
FirstBank (TN)
Habib American HAB Bank
Auburn Banking Company
Grand Ridge National Bank
Wilmington Savings Fund Society (WSFS)
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
