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iAdvertiser Disclosure
Advertiser Disclosure
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 River Falls State Bank 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 16, 2026
River Falls State Bank's Certificate of Deposit 6-Month rates are at 3.65%, Certificate of Deposit 72-Month rates are at 2.78%, IRA Certificate of Deposit 72-Month rates are at 2.78%, Certificate of Deposit 60-Month rates are at 2.73%, Certificate of Deposit 48-Month rates are at 2.47%. River Falls State Bank's savings rates are at 0.05%. River Falls State Bank's money market rates are at 0.05%. River Falls State Bank's 15 Year Fixed Rate rates are at 5.75%, 20 Year Fixed Rate rates are at 5.88%, 30 Year Fixed Rate rates are at 6.12%. MonitorBankRates evaluates the financial stability of River Falls State Bank with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 04/16/2026. River Falls 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 River Falls State Bank? Share your experience about River Falls State Bank by leaving a review below, or read customer reviews before you decide to use River Falls State Bank. 
River Falls State Bank CD Rates
River Falls State Bank Savings Rates
River Falls State Bank Money Market Rates
River Falls State Bank Checking Rates
River Falls State Bank Mortgage Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for River Falls 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 River Falls 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 River Falls State Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
River Falls State Bank
Bank Holding Company
RIVER FALLS BANCSHARES INC
Address
124 S 2nd St,
River Falls, WI 54022 · Pierce
Website
https://www.rfstatebank.com
FDIC Certificate #
16840
Established
10/03/1949
FDIC Insurance Date
10/03/1949
Domestic Offices
1
Total Branches
1
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 100/100
5.0
Exceptional
Out of 5.0 Stars
0.00%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.7312%
Return on Equity (ROE)
9.1400%
Non-Performing Loans (NPL)
0.00%
Total Assets
$137,652,000
Total Deposits
$122,000,000
Equity Capital
$13,489,000
Net Income
$1,164,000
Headquarters
River Falls
Total Offices
1
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About River Falls State BankIs River Falls State Bank a safe place to deposit money?Yes, River Falls State Bank is considered a safe financial institution. 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 River Falls State Bank operate?River Falls State Bank 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, River Falls 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, River Falls State Bank provides members with tools to manage their accounts and build a solid financial history. Does River Falls State Bank offer online and mobile banking?Most modern institutions like River Falls 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.rfstatebank.com. Current River Falls State Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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