What are the current interest rates at Port Washington State Bank?

Current rates for Port Washington State Bank include: 12-Month CD: 2.15%, 18-Month CD: 4.15%, 24-Month CD: 2.15%, 36-Month CD: 2.15%, 48-Month CD: 2.15%, 60-Month CD: 2.15%, Savings: 0.32%, MMA: 2.53%

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Port Washington State Bank Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Port Washington State Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

Port Washington State Bank's top rates as of October 14, 2026 are 4.15% APY on its 18-Months 18-Month CD, 0.32% APY on savings, 2.53% APY on money market accounts, 0.01% APY on checking, and 6.50% on its Vacant Land - 1 year ARM mortgage, according to rates verified by MonitorBankRates. Other Port Washington State Bank CD rates include Individual Retirement Account - 2 Year at 4.15%, IRA Certificate - 2 Year at 4.15%, and 9-Months 9-Month CD at 3.82%. Other Port Washington State Bank mortgage rates include 15 Year Fixed Rate at 6.875%, 10 Year Fixed Rate at 6.875%, and 20 Year Fixed Rate at 7.125%. MonitorBankRates evaluates the financial stability of Port Washington State Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.97%. Rates last updated and verified on 10/14/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.97%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

The Port Washington State Bank

206 N Franklin St
Port Washington, WI 53074

https://www.pwsb.bank

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Port Washington State Bank CD Rates

Product	Rate	APY	Term
18-Month CD	4.07%	4.15%	18 months
Min Deposit $1,000 Min Balance $1,000 Details Certificate of Deposit Special Offer; Simple interest rate 4.07%; Minimum balance to receive APY $1,000.00 Last Updated 10/14/2026 Rate History 1 change since Sep 19, 2026 · 3.56% → 4.15% ▲ 0.59 pts · high 4.15% / low 3.56% Sep 27, 20264.15%▲ from 3.56% Sep 19, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Individual Retirement Account - 2 Year	4.09%	4.15%	2 Year
Min Deposit $1 Min Balance $1 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
IRA Certificate - 2 Year	4.09%	4.15%	2 Year
Min Deposit $1 Min Balance $1 Details Individual Retirement Account; Simple Interest Rate 4.09%; APY 4.15% Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 4.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
9-Month CD	3.75%	3.82%	9 months
Min Deposit $1,000 Min Balance $1,000 Details Certificate of Deposit Special Offer; Simple interest rate 3.75%; Minimum balance to receive APY $1,000.00 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.82% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
1 Year Certificates of Deposit	2.23%	2.25%	1 Year
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 or More Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
2 Year Certificates of Deposit	2.23%	2.25%	2 Year
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 or More Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
3 Year Certificates of Deposit	2.23%	2.25%	3 Year
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 or More Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
4 Year Certificates of Deposit	2.23%	2.25%	4 Year
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 or More Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
5 Year Certificates of Deposit	2.23%	2.25%	5 Year
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 or More Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
1 Year Certificates of Deposit	2.13%	2.15%	1 Year
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 2.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
2 Year Certificates of Deposit	2.13%	2.15%	2 Year
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 2.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
3 Year Certificates of Deposit	2.13%	2.15%	3 Year
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 2.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
4 Year Certificates of Deposit	2.13%	2.15%	4 Year
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 2.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
5 Year Certificates of Deposit	2.13%	2.15%	5 Year
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 2.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Individual Retirement Account - 1 Year	2.13%	2.15%	1 Year
Min Deposit $1 Min Balance $1 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Individual Retirement Account - 3 Year	2.13%	2.15%	3 Year
Min Deposit $1 Min Balance $1 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Individual Retirement Account - 4 Year	2.13%	2.15%	4 Year
Min Deposit $1 Min Balance $1 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Individual Retirement Account - 5 Year	2.13%	2.15%	5 Year
Min Deposit $1 Min Balance $1 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
IRA Certificate - 1 Year	2.13%	2.15%	1 Year
Min Deposit $1 Min Balance $1 Details Individual Retirement Account; Simple Interest Rate 2.13%; APY 2.15% Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 2.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
IRA Certificate - 3 Year	2.13%	2.15%	3 Year
Min Deposit $1 Min Balance $1 Details Individual Retirement Account; Simple Interest Rate 2.13%; APY 2.15% Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 2.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
IRA Certificate - 4 Year	2.13%	2.15%	4 Year
Min Deposit $1 Min Balance $1 Details Individual Retirement Account; Simple Interest Rate 2.13%; APY 2.15% Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 2.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
IRA Certificate - 5 Year	2.13%	2.15%	5 Year
Min Deposit $1 Min Balance $1 Details Individual Retirement Account; Simple Interest Rate 2.13%; APY 2.15% Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 2.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
182 Day Certificates of Deposit	0.75%	0.75%	182 Days
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Certificate of Deposit - 182 Days	0.75%	0.75%	182 Days
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
90 Day Certificates of Deposit	0.50%	0.50%	90 Days
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Certificate of Deposit - 90 Days	0.50%	0.50%	90 Days
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%

Port Washington State Bank Savings Rates

Product	Rate	APY
Health Savings Accounts (HSA)	0.32%	0.32%
Min Deposit $25 Min Balance $15,000 Details Balance: $15,000.00 and over; Tier: HSA, $15,000.00 or More; Simple Interest Rate 0.32% Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.32% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Health Savings Accounts (HSA)	0.22%	0.22%
Min Deposit $25 Min Balance $5,000 Details Balance: $5,000.00 - $14,999.99; Tier: HSA, $5,000.00 - $14,999.99; Simple Interest Rate 0.22% Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.22% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Health Savings Accounts (HSA)	0.12%	0.12%
Min Deposit $25 Min Balance $500 Details Balance: $500.00 - $4,999.99; Tier: HSA, $500.00 - $4,999.99; Simple Interest Rate 0.12% Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.12% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Health Savings Accounts (HSA)	0.02%	0.02%
Min Deposit $25 Min Balance $0 Details Balance: $0.00 - $499.99; Tier: HSA, $499.99 or Less; Simple Interest Rate 0.02% Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.02% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Holiday Savings	0.01%	0.01%
Min Deposit $1 Min Balance $0 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Regular Savings	0.01%	0.01%
Min Deposit $1 Min Balance $0 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Youth Savings	0.01%	0.01%
Min Deposit $1 Min Balance $0 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%

Port Washington State Bank Money Market Rates

Product	Rate	APY
Relationship Money Market	2.50%	2.53%
Min Deposit $25,000 Min Balance $250,000 Details Balance: $250,000.00 and over; Minimum Balance to Receive APY: $25,000.00 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.53% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Relationship Money Market	1.70%	1.71%
Min Deposit $25,000 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99; Minimum Balance to Receive APY: $25,000.00 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.71% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Relationship Money Market	0.70%	0.70%
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99; Minimum Balance to Receive APY: $25,000.00 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.70% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Premium Money Market	0.35%	0.35%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000.00 and over; Minimum Balance to Receive APY: $10,000.00 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Relationship Money Market	0.35%	0.35%
Min Deposit $25,000 Min Balance $0 Details Balance: $0.00 - $24,999.99; Minimum Balance to Receive APY: $25,000.00 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Money Market	0.10%	0.10%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 and over; Minimum Balance to Receive APY: $1,000.00 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Premium Money Market	0.10%	0.10%
Min Deposit $10,000 Min Balance $0 Details Balance: $0.00 - $9,999.99; Minimum Balance to Receive APY: $10,000.00 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Money Market	0.01%	0.01%
Min Deposit $1,000 Min Balance $0 Details Balance: $0.00 - $999.99; Minimum Balance to Receive APY: $1,000.00 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.01% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%

Port Washington State Bank Checking Rates

Product	Rate	APY
AdvantEdge Checking Plus Interest	0.01%	0.01%
Min Deposit $25 Min Balance $0 Details Balance: $2499.99 or Less Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
AdvantEdge Checking Plus Interest	0.01%	0.01%
Min Deposit $25 Min Balance $2,500 Details Balance: $2,500.00 - $4,999.99 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
AdvantEdge Checking Plus Interest	0.01%	0.01%
Min Deposit $25 Min Balance $5,000 Details Balance: $5,000.00 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
AdvantEdge Checking Plus Interest	0.01%	0.01%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
AdvantEdge Checking Plus Interest	0.01%	0.01%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000.00 or More Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%

Port Washington State Bank Mortgage Rates

Product	Rate	Points	APR	Term
15 Year Fixed Rate	6.875%	-	6.95%	15 years
Details Loan amount $180,000; estimated property value $225,000; WI (Ozaukee county); primary residence; 60-day rate lock; assumed credit score 740 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.95% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
10 Year Fixed Rate	6.875%	-	6.98%	10 years
Details Loan amount $180,000; estimated property value $225,000; WI (Ozaukee county); primary residence; 60-day rate lock; assumed credit score 740 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.98% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
20 Year Fixed Rate	7.125%	-	7.301%	20 years
Details Loan amount $180,000; estimated property value $225,000; WI (Ozaukee county); primary residence; 60-day rate lock; assumed credit score 740 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.30% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
30 Year Fixed Rate	7.375%	-	7.512%	30 years
Details Loan amount $180,000; estimated property value $225,000; WI (Ozaukee county); primary residence; 60-day rate lock; assumed credit score 740 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.51% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Vacant Land - 3 year ARM	6.99%	-	7.537%
Details Initial interest rate 6.990%; APR subject to increase; later payments at 7.625%; loan amount $85,000; estimated property value $100,000; WI (Ozaukee county); 60-day rate lock; assumed credit score 740 Last Updated 10/14/2026 Rate History 1 change since Sep 24, 2026 · 7.46% → 7.54% ▲ 0.08 pts · high 7.54% / low 7.46% Oct 14, 20267.54%▲ from 7.46% Sep 24, 20267.46%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
5/1 Adjustable Rate Mortgage	7.375%	-	7.58%
Details Initial interest rate 7.375%; APR subject to increase; later payments at 7.625%; loan amount $180,000; estimated property value $225,000; WI (Ozaukee county); primary residence; 60-day rate lock; assumed credit score 740 Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 7.63% → 7.58% ▼ 0.04 pts · high 7.63% / low 7.58% Oct 14, 20267.58%▼ from 7.63% Sep 15, 20267.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Vacant Land - 1 year ARM	6.50%	-	7.609%
Details Initial interest rate 6.500%; APR subject to increase; later payments at 7.625%; loan amount $85,000; estimated property value $100,000; WI (Ozaukee county); 60-day rate lock; assumed credit score 740 Last Updated 10/14/2026 Rate History 1 change since Sep 24, 2026 · 7.50% → 7.61% ▲ 0.11 pts · high 7.61% / low 7.50% Oct 14, 20267.61%▲ from 7.50% Sep 24, 20267.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
3/1 Adjustable Rate Mortgage	7.375%	-	7.616%
Details Initial interest rate 7.375%; APR subject to increase; later payments at 7.625%; loan amount $180,000; estimated property value $225,000; WI (Ozaukee county); primary residence; 60-day rate lock; assumed credit score 740 Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 7.63% → 7.62% ▼ 0.01 pts · high 7.63% / low 7.62% Oct 14, 20267.62%▼ from 7.63% Sep 15, 20267.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%

Port Washington State Bank Other Rates

Product	Rate	Points	APY/APR
Construction Interest-Only Loan	5.99%	-	7.031%
Details Construction loan; interest-only; principal due at end of 12 months; loan amount $340,000; estimated property value $400,000; WI (Ozaukee county); primary residence; 60-day rate lock; assumed credit score 740 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 7.03% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
WHEDA Advantage Loan	7.50%	-	7.57%
Details Loan amount $180,000; estimated property value $225,000; WI (Ozaukee county); primary residence; 45-day rate lock; assumed credit score 740 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 7.57% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
HSA	0.02%	-	0.02%
Min Deposit $25 Min Balance $0 Details $499.99; Balance: $0.00 - $499.99 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.02% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
HSA	0.12%	-	0.12%
Min Deposit $25 Min Balance $500 Details $500.00 - $4,999.99; Balance: $500.00 - $4,999.99 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.12% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
HSA	0.22%	-	0.22%
Min Deposit $25 Min Balance $5,000 Details $5,000.00 - $14,999.99; Balance: $5,000.00 - $14,999.99 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.22% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
HSA	0.32%	-	0.32%
Min Deposit $25 Min Balance $15,000 Details $15,000.00; Balance: $15,000.00 and over Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.32% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Port Washington State Bank’s Texas Ratio fell from 2.20% in Q3 2023 to 0.97% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 2.9 to 5.0 and its Health Grade from C+ to A+. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.0B	0.97%	5.0	A+
March 31, 2026	$1.0B	1.93%	5.0	A+
December 31, 2025	$1.0B	1.73%	4.8	A
September 30, 2025	$971M	1.83%	4.9	A+
June 30, 2025	$946M	2.64%	4.7	A
March 31, 2025	$963M	4.50%	4.3	A-
December 31, 2024	$960M	3.43%	4.0	B+
September 30, 2024	$910M	2.11%	4.8	A
June 30, 2024	$903M	2.03%	4.0	B+
March 31, 2024	$907M	2.74%	4.0	B+
December 31, 2023	$972M	1.47%	3.7	B
September 30, 2023	$899M	2.20%	2.9	C+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Port Washington 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 Port Washington 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 Port Washington State Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Port Washington State Bank

Bank Holding Company PORT BANCSHARES INC

Address 206 N Franklin St, Port Washington, WI 53074 · Ozaukee

Website https://www.pwsb.bank

FDIC Certificate # 8698

Established 18990911

FDIC Insurance Date 19340101

Domestic Offices 8

Total Branches 8

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.97%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.7151%

Return on Equity (ROE) 10.2500%

Non-Performing Loans (NPL) 0.07%

Total Assets $1,009,818,000

Total Deposits $926,853,000

Equity Capital $72,493,000

Net Income $3,632,000

Headquarters Port Washington

Total Branches and Offices 8

Source: FDIC | Last Updated 06/30/2026

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Frequently Asked Questions About Port Washington State Bank

How many branches does Port Washington State Bank operate?

Port Washington State Bank currently maintains approximately 8 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, Port Washington State Bank 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, Port Washington State Bank provides members with tools to manage their accounts and build a solid financial history.

Does Port Washington State Bank offer online and mobile banking?

Most modern institutions like Port Washington State Bank 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.pwsb.bank.