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: 3.56%, 24-Month CD: 2.15%, 36-Month CD: 2.15%, 48-Month CD: 2.15%, 60-Month CD: 2.15%, Savings: 0.01%, MMA: 0.01%

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Port Washington State Bank

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Port Washington State Bank Rates & Review August 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: August 28, 2026

Port Washington State Bank's 9-Months 9-Month CD rates are at 3.82%, 18-Months 18-Month CD rates are at 3.56%, 2 Year rates are at 3.55%, IRA Certificates 2 Year rates are at 3.55%, 1 Year rates are at 2.25%. Port Washington State Bank's savings rates are at 0.01%. Port Washington State Bank's money market rates are at 0.01%. Port Washington State Bank's 10 Year Fixed Rate rates are at 6.00%, 15 Year Fixed Rate rates are at 6.12%, 20 Year Fixed Rate rates are at 6.50%, 30 Year Fixed Rate rates are at 6.75%, Vacant Land - 1 year ARM rates are at 6.50%. MonitorBankRates evaluates the financial stability of Port Washington State Bank with a 4.8 Star Rating, an A Overall Health Grade, and a Texas Ratio of 2.20%. Rates last updated and verified on 08/28/2026.

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.

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

4.8

Excellent Out of 5.0 Stars

Texas Ratio

2.20%

Excellent Lower than avg

The Port Washington State Bank

206 N Franklin St
Port Washington, WI 53074

https://www.pwsb.bank

Port Washington State Bank CD Rates

Product	Rate	APY	Term
9-Month CD	3.75%	3.82%	9 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 2.20%
18-Month CD	3.50%	3.56%	18 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 2.20%
2 Year	3.50%	3.55%	2 Year
Min Balance $1 Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 2.20%
IRA Certificates 2 Year	3.50%	3.55%	2 Year
Min Balance $1 Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 2.20%
1 Year	2.23%	2.25%	1 Year
Min Deposit $1,000 Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 2.20%
2 Year	2.23%	2.25%	2 Year
Min Deposit $1,000 Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 2.20%
3 Year	2.23%	2.25%	3 Year
Min Deposit $1,000 Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 2.20%
4 Year	2.23%	2.25%	4 Year
Min Deposit $1,000 Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 2.20%
5 Year	2.23%	2.25%	5 Year
Min Deposit $1,000 Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 2.20%
1 Year	2.13%	2.15%	1 Year
Min Deposit $1,000 Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 2.20%
2 Year	2.13%	2.15%	2 Year
Min Deposit $1,000 Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 2.20%
3 Year	2.13%	2.15%	3 Year
Min Deposit $1,000 Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 2.20%
4 Year	2.13%	2.15%	4 Year
Min Deposit $1,000 Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 2.20%
5 Year	2.13%	2.15%	5 Year
Min Deposit $1,000 Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 2.20%
IRA Certificates 1 Year	2.13%	2.15%	1 Year
Min Balance $1 Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 2.20%
IRA Certificates 3 Year	2.13%	2.15%	3 Year
Min Balance $1 Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 2.20%
IRA Certificates 4 Year	2.13%	2.15%	4 Year
Min Balance $1 Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 2.20%
IRA Certificates 5 Year	2.13%	2.15%	5 Year
Min Balance $1 Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 2.20%

Port Washington State Bank Savings Rates

Product	Rate	APY
Health Savings Accounts (HSA)	0.32%	0.32%
Min Balance $15,000 Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 2.20%
Health Savings Accounts (HSA)	0.22%	0.22%
Min Balance $5,000 Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 2.20%
Health Savings Accounts (HSA)	0.12%	0.12%
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 2.20%
Health Savings Accounts (HSA)	0.02%	0.02%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 2.20%
Holiday Savings	0.01%	0.01%
Min Deposit $1 Min Balance $0 Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 2.20%
Regular Savings	0.01%	0.01%
Min Deposit $1 Min Balance $0 Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 2.20%
Youth Savings	0.01%	0.01%
Min Deposit $1 Min Balance $0 Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 2.20%

Port Washington State Bank Money Market Rates

Product	Rate	APY
Relationship Money Market	2.50%	2.53%
Min Deposit $25,000 Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 2.20%
Relationship Money Market	1.70%	1.71%
Min Deposit $25,000 Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 2.20%
Relationship Money Market	0.70%	0.70%
Min Deposit $25,000 Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 2.20%
Premium Money Market	0.35%	0.35%
Min Deposit $10,000 Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 2.20%
Relationship Money Market	0.35%	0.35%
Min Deposit $25,000 Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 2.20%
Money Market	0.10%	0.10%
Min Deposit $1,000 Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 2.20%
Premium Money Market	0.10%	0.10%
Min Deposit $10,000 Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 2.20%
Money Market	0.01%	0.01%
Min Deposit $1,000 Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 2.20%

Port Washington State Bank Checking Rates

Product	Rate	APY	View More
AdvantEdge Checking® Plus Interest	0.01%	0.01%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 2.20%

Port Washington State Bank Mortgage Rates

Product	Rate	Points	APR
10 Year Fixed Rate	6.00%	-	6.10%
Details The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $180,000 and an estimated property value of $225,000. The property is located in WI and is within Ozaukee county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 740. At a 6.000% interest rate, the APR for this loan type is 6.103%. The monthly payment schedule would be: 119 payments of $1,998.37 at an interest rate of 6.000% 1 payment of $1,998.21 at an interest rate of 6.000%. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 2.20%
15 Year Fixed Rate	6.13%	-	6.20%
Details The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $180,000 and an estimated property value of $225,000. The property is located in WI and is within Ozaukee county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 740. At a 6.125% interest rate, the APR for this loan type is 6.198%. The monthly payment schedule would be: 179 payments of $1,531.12 at an interest rate of 6.125% 1 payment of $1,532.05 at an interest rate of 6.125%. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 2.20%
20 Year Fixed Rate	6.50%	-	6.67%
Details The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $180,000 and an estimated property value of $225,000. The property is located in WI and is within Ozaukee county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 740. At a 6.500% interest rate, the APR for this loan type is 6.671%. The monthly payment schedule would be: 239 payments of $1,342.03 at an interest rate of 6.500% 1 payment of $1,342.38 at an interest rate of 6.500%. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 2.20%
30 Year Fixed Rate	6.75%	-	6.88%
Details The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $180,000 and an estimated property value of $225,000. The property is located in WI and is within Ozaukee county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 740. At a 6.750% interest rate, the APR for this loan type is 6.882%. The monthly payment schedule would be: 359 payments of $1,167.48 at an interest rate of 6.750% 1 payment of $1,166.21 at an interest rate of 6.750%. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 2.20%
Vacant Land - 1 year ARM	6.50%	-	7.17%
Details The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $85,000 and an estimated property value of $100,000. The property is located in WI and is within Ozaukee county. The property is and will be used as . The rate lock period is 60 days and the assumed credit score is 740. At a 6.500% initial interest rate, the APR for this loan type is 7.174%, subject to increase. Based on current market conditions, the monthly payment schedule would be: 12 payments of $633.74 at an interest rate of 6.500% 227 payments of $664.19 at an interest rate of 7.125% 1 payment of $664.73 at an interest rate of 7.125%. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 2.20%
Vacant Land - 3 year ARM	6.99%	-	7.21%
Details The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $85,000 and an estimated property value of $100,000. The property is located in WI and is within Ozaukee county. The property is and will be used as . The rate lock period is 60 days and the assumed credit score is 740. At a 6.990% initial interest rate, the APR for this loan type is 7.208%, subject to increase. Based on current market conditions, the monthly payment schedule would be: 36 payments of $658.49 at an interest rate of 6.990% 203 payments of $664.61 at an interest rate of 7.125% 1 payment of $664.46 at an interest rate of 7.125%. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 2.20%
3/1 Adjustable Rate Mortgage	7.25%	-	7.22%
Details The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $180,000 and an estimated property value of $225,000. The property is located in WI and is within Ozaukee county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 740. At a 7.250% initial interest rate, the APR for this loan type is 7.217%, subject to increase. Based on current market conditions, the monthly payment schedule would be: 36 payments of $1,227.92 at an interest rate of 7.250% 323 payments of $1,213.60 at an interest rate of 7.125% 1 payment of $1,214.00 at an interest rate of 7.125%. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 2.20%
5/1 Adjustable Rate Mortgage	7.25%	-	7.24%
Details The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $180,000 and an estimated property value of $225,000. The property is located in WI and is within Ozaukee county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 740. At a 7.250% initial interest rate, the APR for this loan type is 7.235%, subject to increase. Based on current market conditions, the monthly payment schedule would be: 60 payments of $1,227.92 at an interest rate of 7.250% 299 payments of $1,214.27 at an interest rate of 7.125% 1 payment of $1,213.82 at an interest rate of 7.125%. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 2.20%

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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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 09/11/1899

FDIC Insurance Date 01/01/1934

Domestic Offices 8

Total Branches 8

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 97/100

4.8

Excellent Out of 5.0 Stars

2.20%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.3134%

Return on Equity (ROE) 6.0200%

Non-Performing Loans (NPL) 0.09%

Total Assets $1,034,482,000

Total Deposits $953,737,000

Equity Capital $70,036,000

Net Income $5,920,000

Headquarters Port Washington

Total Branches and Offices 8

Source: FDIC | Last Updated 12/31/2025

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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.