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State Bank of Chilton Rates & Review September 2026

State Bank of Chilton's 13-Months 13-Month Fixed Rate CD Special rates are at 4.00%, 24-Months 24-Month Fixed Rate CD Special rates are at 4.00%, 7-Months 7-Month Fixed Rate CD Special rates are at 4.00%, 5-year 5 Year Certificate rates are at 3.75%, 2-year 2 Year Certificate rates are at 3.60%. State Bank of Chilton's savings rates are at 0.10%. State Bank of Chilton's money market rates are at 0.25%. State Bank of Chilton's 5/1 Adjustable-Rate Mortgage rates are at 6.00%, 3/1 Adjustable-Rate Mortgage rates are at 5.75%. State Bank of Chilton's Personal Loan Rates are as low as 6.75%. MonitorBankRates evaluates the financial stability of State Bank of Chilton with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.85%. Rates last updated and verified on 09/20/2026.

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

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
3.85%
Excellent Lower than avg
Health Trend ?
Improving 12 quarters
Full history ›
State Bank of Chilton
26 E Main St
Chilton, WI 53014
https://www.statebankofchilton.com
Member FDIC

State Bank of Chilton CD Rates

Product Rate APY Term View More
13-Month Fixed Rate CD Special 3.96% 4.00% 13 months
Min Deposit $2,500
Min Balance $2,500
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
24-Month Fixed Rate CD Special 3.96% 4.00% 24 months
Min Deposit $2,500
Min Balance $2,500
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
7-Month Fixed Rate CD Special 3.97% 4.00% 7 months
Min Deposit $2,500
Min Balance $2,500
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
5 Year Certificate 3.72% 3.75% 5-year
Min Deposit $1,000
Min Balance $1,000
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
2 Year Certificate 3.57% 3.60% 2-year
Min Deposit $1,000
Min Balance $1,000
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
3 Year Certificate 3.57% 3.60% 3-year
Min Deposit $1,000
Min Balance $1,000
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
4 Year Certificate 3.57% 3.60% 4-year
Min Deposit $1,000
Min Balance $1,000
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
5 Year Certificate 3.57% 3.60% 5-year
Min Deposit $1,000
Min Balance $1,000
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
1 Year Certificate 3.00% 3.02% 1-year
Min Deposit $1,000
Min Balance $1,000
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
182 Day Certificate 3.00% 3.02% 182-day
Min Deposit $1,000
Min Balance $1,000
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
1-year Variable Rate Account 2.96% 3.00% 1-year
Min Deposit $0
Min Balance $0
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
90 Day Certificate 0.50% 0.50% 90-day
Min Deposit $1,000
Min Balance $1,000
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%

State Bank of Chilton Savings Rates

Product Rate APY View More
Christmas Club Account 2.50% 2.50%
Min Deposit $0
Min Balance $0
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
Savers CD Variable Rate Account 2.48% 2.50%
Min Deposit $500
Min Balance $500
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
Health Savings Account (HSA) 1.00% 1.00%
Min Balance $25,000
Details Balance: $25,000.00 to $49,999.99
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
Health Savings Account (HSA) 1.00% 1.00%
Min Balance $50,000
Details Balance: $50,000.00 or More
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
Health Savings Account (HSA) 0.75% 0.75%
Min Deposit $0
Min Balance $7,500
Details Balance: $7,500.00 to $9,999.99
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
Health Savings Account (HSA) 0.75% 0.75%
Min Deposit $0
Min Balance $10,000
Details Balance: $10,000.00 to $24,999.99
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
Business Savings Account 0.25% 0.25%
Min Deposit $0
Min Balance $0
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
Business Savings Account 0.25% 0.25%
Min Balance $25,000
Details Balance: $25,000 or More
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
Health Savings Account (HSA) 0.25% 0.25%
Min Deposit $0
Min Balance $0
Details Balance: $0.00 to $2,499.99
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
Health Savings Account (HSA) 0.25% 0.25%
Min Deposit $0
Min Balance $2,500
Details Balance: $2,500.00 to $7,499.99
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
Regular Savings Account 0.25% 0.25%
Min Deposit $0
Min Balance $0
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
Regular Savings Account 0.25% 0.25%
Min Balance $2,500
Details Balance: $2,500.00 or More
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
Business Savings Account 0.15% 0.15%
Min Balance $1,000
Details Balance: $1,000.00 to $9,999.99
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
Business Savings Account 0.15% 0.15%
Min Balance $10,000
Details Balance: $10,000 to $24,999.99
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
Regular Savings Account 0.15% 0.15%
Min Balance $500
Details Balance: $500.00 to $999.99
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
Regular Savings Account 0.15% 0.15%
Min Balance $1,000
Details Balance: $1,000.00 to $2,499.99
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
Business Savings Account 0.10% 0.10%
Min Balance $0
Details Balance: $0.00 to $999.99
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
Regular Savings Account 0.10% 0.10%
Min Balance $0
Details Balance: $0.00 to $499.99
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%

State Bank of Chilton Money Market Rates

Product Rate APY View More
SBC Personal Money Market 2.25% 2.27%
Min Deposit $0
Min Balance $250,000
Details Balance: $250,000.00 or More
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
Business SBC Biz Money Market 2.00% 2.02%
Min Deposit $0
Min Balance $250,000
Details Balance: $250,000.00 to $999,999.99
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
SBC Personal Money Market 1.75% 1.76%
Min Deposit $0
Min Balance $100,000
Details Balance: $100,000.00 to $249,999.99
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
Business SBC Biz Money Market 1.50% 1.51%
Min Deposit $0
Min Balance $100,000
Details Balance: $100,000.00 to $249,999.99
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
Business SBC Biz Money Market 0.75% 0.75%
Min Deposit $0
Min Balance $25,000
Details Balance: $25,000 to $99,999.99
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
SBC Personal Money Market 0.75% 0.75%
Min Deposit $0
Min Balance $10,000
Details Balance: $10,000.00 to $24,999.99
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
Business SBC Biz Money Market 0.50% 0.50%
Min Deposit $0
Min Balance $10,000
Details Balance: $10,000 to $24,999.99
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
Business SBC Biz Money Market 0.25% 0.25%
Min Deposit $0
Min Balance $0
Details Balance: $0.00 to $9,999.99
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
SBC Personal Money Market 0.25% 0.25%
Min Deposit $0
Min Balance $0
Details Balance: $0.00 to $9,999.99
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%

State Bank of Chilton Checking Rates

Product Rate APY View More
Interest Rewards Checking - 4.50%
Details Earn up to 4.50% APY* with our Interest Rewards Checking.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%

State Bank of Chilton Mortgage Rates

Product Rate Points APR Term View More
5/1 Adjustable-Rate Mortgage 6.00% 0 7.22%
No additional details.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
3/1 Adjustable-Rate Mortgage 5.75% 0 7.42%
No additional details.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%

State Bank of Chilton Auto Loan Rates

Product Rate Points APR Term View More
New Auto (2021 and newer) - - 4.75% 1 to 7 years
Details Published APR range: 4.75%-10.75%. *The APR is the Annual Percentage Rate, which may vary based on based on factors like loan amount, credit score, and other variables. Please Contact Us for more information on all available loan rates and programs. Rates current as of January 2, 2026. Rates subject to change without notice.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
Used Auto (2020 and older) - - 5.75% 1 to 5 years
Details Published APR range: 5.75%-10.75%. *The APR is the Annual Percentage Rate, which may vary based on based on factors like loan amount, credit score, and other variables. Please Contact Us for more information on all available loan rates and programs. Rates current as of January 2, 2026. Rates subject to change without notice.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%

State Bank of Chilton RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Recreational Vehicle (2024 and newer) Loan - 5.75% 1 to 10 years
Details Published APR range: 5.750%-10.75%. *The APR is the Annual Percentage Rate, which may vary based on based on factors like loan amount, credit score, and other variables. Please Contact Us for more information on all available loan rates and programs. Rates current as of January 2, 2026. Rates subject to change without notice.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
Recreational Vehicle (2023 and older) Loan - 6.25% 1 to 7 years
Details Published APR range: 6.25%-10.75%. *The APR is the Annual Percentage Rate, which may vary based on based on factors like loan amount, credit score, and other variables. Please Contact Us for more information on all available loan rates and programs. Rates current as of January 2, 2026. Rates subject to change without notice.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%

State Bank of Chilton Personal Loan Rates

Product APR Term View More
Personal Unsecured Loan 6.75% 1 to 5 years
Details Published APR range: 6.75%-10.75%. *The APR is the Annual Percentage Rate, which may vary based on based on factors like loan amount, credit score, and other variables. Please Contact Us for more information on all available loan rates and programs. Rates current as of January 2, 2026. Rates subject to change without notice.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%

State Bank of Chilton Other Rates

Product Rate Points APY/APR Term View More
Fixed 15 Years 6.88% 0.000% 6.93%
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
Fixed 20 Years 7.13% 0.000% 7.17%
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
Fixed 30 Years 7.13% 0.000% 7.16%
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
Business SBC Biz Choice 0.10% - 0.10%
Min Deposit $0
Min Balance $0
Details Balance: $0.00 to $999.99
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
Business SBC Biz Choice 0.15% - 0.15%
Min Deposit $0
Min Balance $1,000
Details Balance: $1,000.00 to $9,999.99
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
Business SBC Biz Choice 0.15% - 0.15%
Min Deposit $0
Min Balance $10,000
Details Balance: $10,000 to $24,999.99
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
Business SBC Biz Choice 0.25% - 0.25%
Min Deposit $0
Min Balance $25,000
Details Balance: $25,000 or More
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
SBC Choice 0.10% - 0.10%
Min Deposit $0
Min Balance $0
Details Balance: $0.00 to $499.99
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
SBC Choice 0.15% - 0.15%
Min Deposit $0
Min Balance $500
Details Balance: $500.00 to $999.99
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
SBC Choice 0.15% - 0.15%
Min Deposit $0
Min Balance $1,000
Details Balance: $1,000.00 to $2,499.99
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%
SBC Choice 0.25% - 0.25%
Min Deposit $0
Min Balance $2,500
Details Balance: $2,500.00 or More
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.85%

Financial Health History

State Bank of Chilton’s Texas Ratio fell from 8.77% in Q3 2023 to 3.85% 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 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 8.77% A Q3 2023 A Q4 2023 A Q1 2024 A Q2 2024 A Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 3.85% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$517M3.85%5.0A+
March 31, 2026$513M3.68%5.0A+
December 31, 2025$506M1.74%5.0A+
September 30, 2025$494M1.17%5.0A+
June 30, 2025$485M1.95%5.0A+
March 31, 2025$475M2.65%5.0A+
December 31, 2024$476M2.31%5.0A+
September 30, 2024$471M6.39%5.0A
June 30, 2024$469M8.14%5.0A
March 31, 2024$460M9.34%5.0A
December 31, 2023$458M8.85%5.0A
September 30, 2023$455M8.77%5.0A
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 State Bank of Chilton 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 State Bank of Chilton 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 State Bank of Chilton's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name State Bank of Chilton
Bank Holding Company CALUMET BCORP INC
Address 26 E Main St, Chilton, WI 53014  ·  Calumet
FDIC Certificate # 12331
Established 18910419
FDIC Insurance Date 19340101
Domestic Offices 5
Total Branches 5
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 98/100
5.0
Exceptional Out of 5.0 Stars
3.85%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 2.3993%
Return on Equity (ROE) 19.1500%
Non-Performing Loans (NPL) 0.49%
Total Assets $516,519,000
Total Deposits $435,916,000
Equity Capital $65,635,000
Net Income $6,137,000
Headquarters Chilton
Total Branches and Offices 5
Source: FDIC  |  Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

State Bank of Chilton earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/banks/state-bank-of-chilton-rates-review-12331">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About State Bank of Chilton

How many branches does State Bank of Chilton operate?

State Bank of Chilton currently maintains approximately 5 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, State Bank of Chilton 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, State Bank of Chilton provides members with tools to manage their accounts and build a solid financial history.

Does State Bank of Chilton offer online and mobile banking?

Most modern institutions like State Bank of Chilton 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.statebankofchilton.com.

Current State Bank of Chilton Rates

  • 12-Month CD3.00%
  • 24-Month CD3.60%
  • 36-Month CD3.60%
  • 48-Month CD3.60%
  • 60-Month CD3.60%
  • Savings0.10%
  • MMA0.25%
Retrieved from our database of financial products. Rates subject to change.