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State Bank of Chilton

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State Bank of Chilton Rates & Review November 2026

Q: What are the current interest rates at State Bank of Chilton?

Current rates for State Bank of Chilton include: 12-Month CD: 3.02%, 24-Month CD: 3.60%, 36-Month CD: 3.60%, 48-Month CD: 3.60%, 60-Month CD: 3.60%, Savings: 1.00%, MMA: 3.00%

Q: What CD terms does State Bank of Chilton offer?

State Bank of Chilton CD rates are 3.02% APY for a 12 month CD, 3.60% APY for a 2 year CD, 3.60% APY for a 3 year CD, 3.60% APY for a 4 year CD and 3.75% APY for a 5 year CD, verified by MonitorBankRates as of November 7, 2026. The institution may offer other terms or specials that are not listed here, so check with State Bank of Chilton for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 7, 2026

State Bank of Chilton's CD - 5-year rates are at 3.75%, CD - 2-year rates are at 3.60%, CD - 3-year rates are at 3.60%, CD - 4-year rates are at 3.60%, CD - 1-year rates are at 3.02%. State Bank of Chilton's savings rates are at 1.00%. State Bank of Chilton's money market rates are at 3.00%. State Bank of Chilton's 5/1 Adjustable-Rate Mortgage rates are at 6.50%, 3/1 Adjustable-Rate Mortgage rates are at 6.25%. State Bank of Chilton's Personal Loan Rates are as low as 7.25%. State Bank of Chilton's top CD rate of 4.25% APY on a 13 month CD is 41% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A+ health rating. 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 11/07/2026.

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.

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

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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.

State Bank of Chilton CD Rates

Product	Rate	APY	Term	Min. Deposit
13-Month Fixed Rate CD Special	4.21%	4.25%	13-Month	$2,500
Min Deposit $2,500 Min Balance $2,500 Last Updated 11/07/2026 Rate History 1 change since Sep 20, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00% Sep 24, 20264.25%▲ from 4.00% Sep 20, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
24-Month Fixed Rate CD Special	4.21%	4.25%	24-Month	$2,500
Min Deposit $2,500 Min Balance $2,500 Last Updated 11/07/2026 Rate History 1 change since Sep 20, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00% Sep 24, 20264.25%▲ from 4.00% Sep 20, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
7-Month Fixed Rate CD Special	3.97%	4.00%	7-Month	$2,500
Min Deposit $2,500 Min Balance $2,500 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 4.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
CD - 5-year	3.72%	3.75%	5-year	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
CD - 2-year	3.57%	3.60%	2-year	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
CD - 3-year	3.57%	3.60%	3-year	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
CD - 4-year	3.57%	3.60%	4-year	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Individual Retirement Accounts - 2-year	3.57%	3.60%	2-year	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Individual Retirement Accounts - 3-year	3.57%	3.60%	3-year	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Individual Retirement Accounts - 4-year	3.57%	3.60%	4-year	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Individual Retirement Accounts - 5-year	3.57%	3.60%	5-year	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Individual Retirement Accounts - 1-year Variable Rate Account	3.45%	3.50%	1-year	-
Details Rate may change after the account is opened Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
CD - 1-year	3.00%	3.02%	1-year	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 3.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
CD - 182-day	3.00%	3.02%	182-day	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 3.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Individual Retirement Accounts - 1-year	3.00%	3.02%	1-year	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 3.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
CD - 90-day	0.50%	0.50%	90-day	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%

State Bank of Chilton Savings Rates

Product	Rate	APY
Christmas Club Account	3.00%	3.00%
No additional details. Last Updated 11/07/2026 Rate History 1 change since Sep 20, 2026 · 2.50% → 3.00% ▲ 0.50 pts · high 3.00% / low 2.50% Sep 24, 20263.00%▲ from 2.50% Sep 20, 20262.50%first recorded 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 11/07/2026 Rate History No change since Sep 20, 2026 · 1.00% APY · checked 11 times 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 11/07/2026 Rate History No change since Sep 20, 2026 · 1.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Health Savings Account (HSA)	0.75%	0.75%
Min Balance $7,500 Details Balance: $7,500.00 to $9,999.99 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.75% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Health Savings Account (HSA)	0.75%	0.75%
Min Balance $10,000 Details Balance: $10,000.00 to $24,999.99 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.75% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Health Savings Account (HSA)	0.25%	0.25%
Min Balance $0 Details Balance: $0.00 to $2,499.99 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Health Savings Account (HSA)	0.25%	0.25%
Min Balance $2,500 Details Balance: $2,500.00 to $7,499.99 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Regular Savings Account	0.25%	0.25%
No additional details. Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%

State Bank of Chilton Business Savings Rates

Product	Rate	APY	View More
Business Savings Account	0.25%	0.25%
Details Rates may change after the account is opened Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%

State Bank of Chilton Money Market Rates

Product	Rate	APY
SBC Personal Money Market	2.96%	3.00%
Min Balance $250,000 Details Balance: $250,000.00 or More Last Updated 11/07/2026 Rate History 1 change since Sep 20, 2026 · 2.27% → 3.00% ▲ 0.73 pts · high 3.00% / low 2.27% Sep 24, 20263.00%▲ from 2.27% Sep 20, 20262.27%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
SBC Biz Money Market	2.47%	2.50%
Min Balance $250,000 Details Balance: $250,000.00 - $999,999.99; Rates may change after the account is opened Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
SBC Personal Money Market	1.98%	2.00%
Min Balance $100,000 Details Balance: $100,000.00 to $249,999.99 Last Updated 11/07/2026 Rate History 1 change since Sep 20, 2026 · 1.76% → 2.00% ▲ 0.24 pts · high 2.00% / low 1.76% Sep 24, 20262.00%▲ from 1.76% Sep 20, 20261.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
SBC Biz Money Market	1.50%	1.51%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99; Rates may change after the account is opened Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 1.51% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
SBC Personal Money Market	1.00%	1.00%
Min Balance $25,000 Details Balance: $25,000.00 to $99,999.99 Last Updated 11/07/2026 Rate History No change since Oct 8, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
SBC Biz Money Market	0.75%	0.75%
Min Balance $25,000 Details Balance: $25,000 - $99,999.99; Rates may change after the account is opened Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
SBC Personal Money Market	0.75%	0.75%
Min Balance $10,000 Details Balance: $10,000.00 to $24,999.99 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.75% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
SBC Biz Money Market	0.50%	0.50%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Rates may change after the account is opened Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
SBC Biz Money Market	0.25%	0.25%
Min Balance $0 Details Balance: $0.00 - $9,999.99; Rates may change after the account is opened Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
SBC Personal Money Market	0.25%	0.25%
Min Balance $0 Details Balance: $0.00 to $9,999.99 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%

State Bank of Chilton Mortgage Rates

Product	Rate	Points	APR
5/1 Adjustable-Rate Mortgage	6.50%	0	7.274%
Details P&I payment: $1,580.81; APR based on $250,000.00 loan, 80% LTV, purchase/refinance, 60-day rate lock, minimum 740 credit score; rates current as of October 30, 2026 Last Updated 11/07/2026 Rate History 1 change since Sep 16, 2026 · 7.22% → 7.27% ▲ 0.05 pts · high 7.27% / low 7.22% Oct 1, 20267.27%▲ from 7.22% Sep 16, 20267.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
3/1 Adjustable-Rate Mortgage	6.25%	0	7.564%
Details P&I payment: $1,539.90; APR based on $250,000.00 loan, 80% LTV, purchase/refinance, 60-day rate lock, minimum 740 credit score; rates current as of October 30, 2026 Last Updated 11/07/2026 Rate History 1 change since Sep 16, 2026 · 7.42% → 7.56% ▲ 0.15 pts · high 7.56% / low 7.42% Oct 1, 20267.56%▲ from 7.42% Sep 16, 20267.42%first recorded 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
New Auto (2021 and newer)	-	-	5.25%	1 to 7 years
Details Published APR range: 5.25%-11.25%. Rates current as of September 28, 2026; APR varies by loan amount, credit score, and other factors Last Updated 11/07/2026 Rate History 1 change since Sep 20, 2026 · 4.75% → 5.25% ▲ 0.50 pts · high 5.25% / low 4.75% Oct 8, 20265.25%▲ from 4.75% Sep 20, 20264.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Used Auto (2020 and older)	-	-	6.25%	1 to 5 years
Details Published APR range: 6.25%-11.25%. Rates current as of September 28, 2026; APR varies by loan amount, credit score, and other factors Last Updated 11/07/2026 Rate History 1 change since Sep 20, 2026 · 5.75% → 6.25% ▲ 0.50 pts · high 6.25% / low 5.75% Oct 8, 20266.25%▲ from 5.75% Sep 20, 20265.75%first recorded 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
Recreational Vehicle (2024 and newer) Loan	-	6.25%	1 to 10 years
Details Published APR range: 6.25%-11.25%. Rates current as of September 28, 2026; APR varies by loan amount, credit score, and other factors Last Updated 11/07/2026 Rate History 1 change since Sep 20, 2026 · 5.75% → 6.25% ▲ 0.50 pts · high 6.25% / low 5.75% Oct 8, 20266.25%▲ from 5.75% Sep 20, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Recreational Vehicle (2023 and older) Loan	-	6.75%	1 to 7 years
Details Published APR range: 6.75%-11.25%. Rates current as of September 28, 2026; APR varies by loan amount, credit score, and other factors Last Updated 11/07/2026 Rate History 1 change since Sep 20, 2026 · 6.25% → 6.75% ▲ 0.50 pts · high 6.75% / low 6.25% Oct 8, 20266.75%▲ from 6.25% Sep 20, 20266.25%first recorded 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	7.25%	1 to 5 years
Details Published APR range: 7.25%-11.25%. Rates current as of September 28, 2026; APR varies by loan amount, credit score, and other factors Last Updated 11/07/2026 Rate History 1 change since Sep 16, 2026 · 6.75% → 7.25% ▲ 0.50 pts · high 7.25% / low 6.75% Oct 3, 20267.25%▲ from 6.75% Sep 16, 20266.75%first recorded 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
Fixed 15 Years	7.00%	0.000%	7.05%	15 years
Details P&I payment: $2,247.07; APR based on $250,000.00 loan, 80% LTV, purchase/refinance, 60-day rate lock, minimum 740 credit score; rates current as of October 30, 2026 Last Updated 11/07/2026 Rate History 1 change since Sep 28, 2026 · 7.30% → 7.05% ▼ 0.25 pts · high 7.30% / low 7.05% Nov 2, 20267.05%▼ from 7.30% Sep 28, 20267.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Fixed 20 Years	7.25%	0.000%	7.291%	20 years
Details P&I payment: $1,975.94; APR based on $250,000.00 loan, 80% LTV, purchase/refinance, 60-day rate lock, minimum 740 credit score; rates current as of October 30, 2026 Last Updated 11/07/2026 Rate History 1 change since Sep 28, 2026 · 7.54% → 7.29% ▼ 0.25 pts · high 7.54% / low 7.29% Nov 2, 20267.29%▼ from 7.54% Sep 28, 20267.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Fixed 30 Years	7.25%	0.000%	7.281%	30 years
Details P&I payment: $1,705.44; APR based on $250,000.00 loan, 80% LTV, purchase/refinance, 60-day rate lock, minimum 740 credit score; rates current as of October 30, 2026 Last Updated 11/07/2026 Rate History 2 changes since Sep 28, 2026 · 7.41% → 7.28% ▼ 0.13 pts · high 7.53% / low 7.28% Nov 2, 20267.28%▼ from 7.53% Oct 1, 20267.53%▲ from 7.41% Sep 28, 20267.41%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Certificates Of Deposit - Savers CD Variable Rate Account	2.97%	-	3.00%
Min Deposit $500 Min Balance $500 Details Rate may change after the account is opened Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Individual Retirement Accounts - 182-day	3.00%	-	3.02%	182-day
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 3.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
SBC Biz Choice	0.10%	-	0.10%
Min Balance $0 Details Balance: $0.00 - $999.99; Rates may change after the account is opened Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
SBC Biz Choice	0.15%	-	0.15%
Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99; Rates may change after the account is opened Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
SBC Biz Choice	0.15%	-	0.15%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Rates may change after the account is opened Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
SBC Biz Choice	0.25%	-	0.25%
Min Balance $25,000 Details Balance: $25,000 or More; Rates may change after the account is opened Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
SBC Choice	0.10%	-	0.10%
Min Balance $0 Details Balance: $0.00 to $499.99 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
SBC Choice	0.15%	-	0.15%
Min Balance $500 Details Balance: $500.00 to $999.99 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
SBC Choice	0.15%	-	0.15%
Min Balance $1,000 Details Balance: $1,000.00 to $2,499.99 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
SBC Choice	0.25%	-	0.25%
Min Balance $2,500 Details Balance: $2,500.00 or More Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%

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

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.

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)

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	$517M	3.85%	5.0	A+
March 31, 2026	$513M	3.68%	5.0	A+
December 31, 2025	$506M	1.74%	5.0	A+
September 30, 2025	$494M	1.17%	5.0	A+
June 30, 2025	$485M	1.95%	5.0	A+
March 31, 2025	$475M	2.65%	5.0	A+
December 31, 2024	$476M	2.31%	5.0	A+
September 30, 2024	$471M	6.39%	5.0	A
June 30, 2024	$469M	7.87%	5.0	A
March 31, 2024	$460M	9.06%	5.0	A
December 31, 2023	$458M	8.85%	5.0	A
September 30, 2023	$455M	8.77%	5.0	A

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

Bank Name State Bank of Chilton

Website https://www.statebankofchilton.com

Address 26 E Main St, Chilton, WI 53014 · Calumet

Bank Holding Company CALUMET BCORP INC

FDIC Certificate # 12331

Regulator FDIC

Established April 19, 1891

FDIC Insurance Date January 1, 1934

Domestic Offices 5

Total Branches 5

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.85%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

2.3993%

Return on Equity (ROE)

19.1500%

Non-Performing Loans Ratio (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

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

State Bank of Chilton earned the Verified Healthy badge

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Frequently Asked Questions About State Bank of Chilton

Does State Bank of Chilton offer CDs?

Yes. State Bank of Chilton current CD rates include its CD - 5-year at 3.75% APY, its CD - 2-year at 3.60% APY and its CD - 3-year at 3.60% APY, verified by MonitorBankRates as of November 7, 2026.

Are CDs from State Bank of Chilton FDIC insured?

Yes. State Bank of Chilton is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at State Bank of Chilton?

The highest State Bank of Chilton CD rate is its 13-Month Fixed Rate CD Special at 4.25% APY, verified by MonitorBankRates as of November 7, 2026.

What CD terms does State Bank of Chilton offer?

State Bank of Chilton CD rates are 3.02% APY for a 12 month CD, 3.60% APY for a 2 year CD, 3.60% APY for a 3 year CD, 3.60% APY for a 4 year CD and 3.75% APY for a 5 year CD, verified by MonitorBankRates as of November 7, 2026. The institution may offer other terms or specials that are not listed here, so check with State Bank of Chilton for its full lineup.

What is the highest savings rate at State Bank of Chilton?

The highest State Bank of Chilton savings rate is its Health Savings Account (HSA) at 1.00% APY, verified by MonitorBankRates as of November 7, 2026.

What is the highest money market rate at State Bank of Chilton?

The highest State Bank of Chilton money market rate is its SBC Personal Money Market at 3.00% APY, verified by MonitorBankRates as of November 7, 2026.

What is the lowest mortgage rate at State Bank of Chilton?

The lowest State Bank of Chilton mortgage rate is its 3/1 Adjustable-Rate Mortgage at 6.25%, verified by MonitorBankRates as of November 7, 2026.

What is the lowest auto loan rate at State Bank of Chilton?

The lowest State Bank of Chilton auto loan rate is its New Auto (2021 and newer) at 5.25% APR, verified by MonitorBankRates as of November 7, 2026.

What is the lowest personal loan rate at State Bank of Chilton?

The lowest State Bank of Chilton personal loan rate is its Personal Unsecured Loan at 7.25% APR, verified by MonitorBankRates as of November 7, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do State Bank of Chilton rates compare?

State Bank of Chilton's top CD rate of 4.25% APY on a 13 month CD is 41% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A+ health rating. State Bank of Chilton's top rates are its 13-Month Fixed Rate CD Special at 4.25% APY, its Health Savings Account (HSA) at 1.00% APY, its SBC Personal Money Market at 3.00% APY, its 3/1 Adjustable-Rate Mortgage at 6.25% and its Personal Unsecured Loan at 7.25% APR, verified by MonitorBankRates on November 7, 2026.

Current State Bank of Chilton Rates

12-Month CD3.02%
24-Month CD3.60%
36-Month CD3.60%
48-Month CD3.60%
60-Month CD3.60%
Savings1.00%
MMA3.00%

Retrieved from our database of financial products. Rates subject to change.

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State Bank of Chilton Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

State Bank of Chilton Texas Ratio

State Bank of Chilton Health Trend

State Bank of Chilton CD Rates

State Bank of Chilton Savings Rates

State Bank of Chilton Business Savings Rates

State Bank of Chilton Money Market Rates

State Bank of Chilton Mortgage Rates

State Bank of Chilton Auto Loan Rates

State Bank of Chilton RV, Boat and Powersport Loan Rates

State Bank of Chilton Personal Loan Rates

State Bank of Chilton Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

State Bank of Chilton earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About State Bank of Chilton

Does State Bank of Chilton offer CDs?

Are CDs from State Bank of Chilton FDIC insured?

What is the highest CD rate at State Bank of Chilton?

What CD terms does State Bank of Chilton offer?

What is the highest savings rate at State Bank of Chilton?

What is the highest money market rate at State Bank of Chilton?

What is the lowest mortgage rate at State Bank of Chilton?

What is the lowest auto loan rate at State Bank of Chilton?

What is the lowest personal loan rate at State Bank of Chilton?

How many branches does State Bank of Chilton operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does State Bank of Chilton offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do State Bank of Chilton rates compare?

Current State Bank of Chilton Rates

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