MonitorBankRates
☰
  1. Home›
  2. Banks›
  3. Union State Bank West Salem, WI
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

Union State Bank West Salem, WI Rates & Review November 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
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 →
| iEditorial Disclosure
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 and Verified: November 6, 2026

Union State Bank West Salem, WI's money market rates are at 2.17%. Union State Bank West Salem, WI's checking rates are as high as 5.00%. Union State Bank West Salem, WI's money market rates are 198% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Union State Bank West Salem, WI with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.88%. Rates last updated and verified on 11/06/2026.

Union State Bank West Salem, WI 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 Union State Bank West Salem, WI? Share your experience about Union State Bank West Salem, WI by leaving a review below, or read customer reviews before you decide to use Union State Bank West Salem, WI.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 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 ?
0.88%
Excellent Lower than avg
Health Trend ?
Improving 12 quarters
Full history ›
Union State Bank
120 Mill St S
West Salem, WI 54669
https://www.usbwestsalem.com
MemberFDIC
Customer Reviews
Be the first to review
Write a Review
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.

Union State Bank West Salem, WI Money Market Rates

Product Rate APY View More
Money Market Account 2.15% 2.17%
Min Deposit $2,500
Min Balance $250,000
Details Balance: $250,000.00 and over; Interest rate and APY may change after account opening; $5.00 monthly maintenance fee if daily balance falls below $2,500.00
Last Updated 11/06/2026
Rate History
No change since Sep 14, 2026 · 2.17% APY · checked 10 times
1.67%2.17%2.67%Sep 14, 2026: 2.17% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
Money Market Account 2.05% 2.07%
Min Deposit $2,500
Min Balance $100,000
Details Balance: $100,000.00 - $249,999.99; Interest rate and APY may change after account opening; $5.00 monthly maintenance fee if daily balance falls below $2,500.00
Last Updated 11/06/2026
Rate History
No change since Sep 14, 2026 · 2.07% APY · checked 10 times
1.57%2.07%2.57%Sep 14, 2026: 2.07% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
Money Market Account 1.60% 1.61%
Min Deposit $2,500
Min Balance $50,000
Details Balance: $50,000.00 - $99,999.99; Interest rate and APY may change after account opening; $5.00 monthly maintenance fee if daily balance falls below $2,500.00
Last Updated 11/06/2026
Rate History
No change since Sep 14, 2026 · 1.61% APY · checked 10 times
1.11%1.61%2.11%Sep 14, 2026: 1.61% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
Money Market Account 1.45% 1.46%
Min Deposit $2,500
Min Balance $25,000
Details Balance: $25,000.00 - $49,999.99; Interest rate and APY may change after account opening; $5.00 monthly maintenance fee if daily balance falls below $2,500.00
Last Updated 11/06/2026
Rate History
No change since Sep 14, 2026 · 1.46% APY · checked 10 times
0.96%1.46%1.96%Sep 14, 2026: 1.46% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
Money Market Account 1.25% 1.26%
Min Deposit $2,500
Min Balance $10,000
Details Balance: $10,000.00 - $24,999.99; Interest rate and APY may change after account opening; $5.00 monthly maintenance fee if daily balance falls below $2,500.00
Last Updated 11/06/2026
Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 10 times
0.76%1.26%1.76%Sep 14, 2026: 1.26% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
Money Market Account 1.15% 1.16%
Min Deposit $2,500
Min Balance $2,500
Details Balance: $2,500.00 - $9,999.99; Interest rate and APY may change after account opening; $5.00 monthly maintenance fee if daily balance falls below $2,500.00
Last Updated 11/06/2026
Rate History
No change since Sep 14, 2026 · 1.16% APY · checked 11 times
0.66%1.16%1.66%Sep 14, 2026: 1.16% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
Money Market Account 0.10% 0.10%
Min Deposit $2,500
Details Balance: $2,499.99 or less; Interest rate and APY may change after account opening; $5.00 monthly maintenance fee if daily balance falls below $2,500.00
Last Updated 11/06/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 12 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%

Union State Bank West Salem, WI Checking Rates

Product Rate APY View More
Ultimate Checking - 5.00%
Min Deposit $25
Min Balance $0
Details Qualifications Required; Balance: $0.00 - $15,000.00; Qualifying balance up to $15,000.00; Range 5.00% to 0.11% APY depending on daily balance; 0.10% APY if qualifications not met; Interest compounded and credited monthly; $5.00 paper statement fee applies if eStatements not accepted; Rates effective October 31, 2026
Last Updated 11/06/2026
Rate History
1 change since Sep 14, 2026 · 4.07% → 5.00% ▲ 0.93 pts · high 5.00% / low 4.07%
3.14%4.54%5.93%Sep 14, 2026: 4.07% APYNov 6, 2026: 5.00% APYSep 14, 2026Nov 9, 2026
  • Nov 6, 20265.00%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
Powered by MonitorBankRates

Financial Health History

Union State Bank West Salem, WI’s Texas Ratio fell from 2.28% in Q3 2023 to 0.88% 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. 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.

0% 1.0★ 0.8% 2.0★ 1.6% 3.0★ 2.4% 4.0★ 3.3% 5.0★ Healthy zone – entire history below the 15% limit 2.28% 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 0.88% 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 Grade
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$118M0.88%5.0A+
March 31, 2026$119M0.94%5.0A+
December 31, 2025$125M1.11%5.0A+
September 30, 2025$114M1.67%5.0A+
June 30, 2025$113M2.34%5.0A+
March 31, 2025$114M0.00%5.0A+
December 31, 2024$115M0.38%5.0A+
September 30, 2024$111M0.00%5.0A+
June 30, 2024$110M0.00%5.0A+
March 31, 2024$110M2.41%5.0A+
December 31, 2023$115M2.09%5.0A+
September 30, 2023$111M2.28%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 Union State Bank West Salem, WI 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 Union State Bank West Salem, WI 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 Union State Bank West Salem, WI's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Union State Bank West Salem, WI
Website https://www.usbwestsalem.com
Address 120 Mill St S, West Salem, WI 54669  ·  La Crosse
FDIC Certificate # 14560
Regulator FDIC
Established August 25, 1903
FDIC Insurance Date January 1, 1934
Domestic Offices 2
Total Branches 2
FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.88%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.3443%
Return on Equity (ROE)
13.5800%
Non-Performing Loans Ratio (NPL)
0.09%
Total Assets
$117,627,000
Total Deposits
$97,363,000
Equity Capital
$12,333,000
Net Income
$811,000
Headquarters
West Salem
Total Branches and Offices
2
Source: FDIC — Last Updated June 30, 2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Union State Bank West Salem, WI 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, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/banks/union-state-bank-west-salem-wi-rates-review-14560">
  <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

There are no reviews for Union State Bank West Salem, WI yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Union State Bank West Salem, WI
Your Name:
Your Rating:

Frequently Asked Questions About Union State Bank West Salem, WI

What is the highest money market rate at Union State Bank West Salem, WI?

The highest Union State Bank West Salem, WI money market rate is its Money Market Account at 2.17% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest checking rate at Union State Bank West Salem, WI?

The highest Union State Bank West Salem, WI checking rate is its Ultimate Checking at 5.00% APY, verified by MonitorBankRates as of November 6, 2026.

How many branches does Union State Bank West Salem, WI operate?

Union State Bank West Salem, WI currently maintains approximately 2 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, Union State Bank West Salem, WI 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, Union State Bank West Salem, WI provides members with tools to manage their accounts and build a solid financial history.

Does Union State Bank West Salem, WI offer online and mobile banking?

Most modern institutions like Union State Bank West Salem, WI 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.usbwestsalem.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 Union State Bank West Salem, WI rates compare?

Union State Bank West Salem, WI's money market rates are 198% higher than the MonitorBankRates national average, and it has an A+ health rating. Union State Bank West Salem, WI's top rates are its Money Market Account at 2.17% APY and its Ultimate Checking at 5.00% APY, verified by MonitorBankRates on November 6, 2026.

Current Union State Bank West Salem, WI Rates

  • MMA2.17%
Retrieved from our database of financial products. Rates subject to change.

Compare to Other Banks

First State Bank Webster City, IA Gerber State Bank American Bank & Trust Company LA Peoples Exchange Bank Winchester, KY WCB West Central Bank Sound Banking Company First Commercial Bank (USA) Cvnb Pinnacle Bank (TN) Dime Bank Solera National Bank Community Bank of Marshall Peoples Bank Eatonton, GA Hancock County SB 1st Summit Bank Watertown Savings Bank Watertown, MA First Bank of the Lake United Valley Bank Heritage Bank Equitable S&L Co. Citizens Independent Bank