What are the current interest rates at Union State Bank West Salem, WI?

Current rates for Union State Bank West Salem, WI include: MMA: 0.10%

MonitorBankRates

☰

Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?

Home›
Banks›
Union State Bank West Salem, WI

iAdvertiser Disclosure

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

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 19, 2026

Union State Bank West Salem, WI's money market rates are at 0.10%. 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 09/19/2026.

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.

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

Union State Bank West Salem, WI Money Market Rates

Product	Rate	APY
Money Market Account	2.15%	2.17%
Min Deposit $2,500 Min Balance $250,000 Details A maintenance fee will be imposed if the $2,500 daily balance is not maintained. Interest is compounded and credited monthly. Interest rate and annual percentage yield may change after account opening. Monthly detailed statements include images of your checks. Images of your checks available online. Unlimited access to your account in person or by mail. Bill Pay is available. Annual Percentage Yield effective 9-1-26. We may change the interest rate on your account at any time. Interest compounded monthly. Interest will be credited to your account monthly. A maintenance fee of $5.00 will be imposed every month if the daily balance in the account falls below $2,500.00 any day of the month. Fees could reduce the earnings on this account. We use the daily balance method to calculate the interest on your account. Last Updated 09/19/2026 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 A maintenance fee will be imposed if the $2,500 daily balance is not maintained. Interest is compounded and credited monthly. Interest rate and annual percentage yield may change after account opening. Monthly detailed statements include images of your checks. Images of your checks available online. Unlimited access to your account in person or by mail. Bill Pay is available. Annual Percentage Yield effective 9-1-26. We may change the interest rate on your account at any time. Interest compounded monthly. Interest will be credited to your account monthly. A maintenance fee of $5.00 will be imposed every month if the daily balance in the account falls below $2,500.00 any day of the month. Fees could reduce the earnings on this account. We use the daily balance method to calculate the interest on your account. Last Updated 09/19/2026 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 A maintenance fee will be imposed if the $2,500 daily balance is not maintained. Interest is compounded and credited monthly. Interest rate and annual percentage yield may change after account opening. Monthly detailed statements include images of your checks. Images of your checks available online. Unlimited access to your account in person or by mail. Bill Pay is available. Annual Percentage Yield effective 9-1-26. We may change the interest rate on your account at any time. Interest compounded monthly. Interest will be credited to your account monthly. A maintenance fee of $5.00 will be imposed every month if the daily balance in the account falls below $2,500.00 any day of the month. Fees could reduce the earnings on this account. We use the daily balance method to calculate the interest on your account. Last Updated 09/19/2026 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 A maintenance fee will be imposed if the $2,500 daily balance is not maintained. Interest is compounded and credited monthly. Interest rate and annual percentage yield may change after account opening. Monthly detailed statements include images of your checks. Images of your checks available online. Unlimited access to your account in person or by mail. Bill Pay is available. Annual Percentage Yield effective 9-1-26. We may change the interest rate on your account at any time. Interest compounded monthly. Interest will be credited to your account monthly. A maintenance fee of $5.00 will be imposed every month if the daily balance in the account falls below $2,500.00 any day of the month. Fees could reduce the earnings on this account. We use the daily balance method to calculate the interest on your account. Last Updated 09/19/2026 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 A maintenance fee will be imposed if the $2,500 daily balance is not maintained. Interest is compounded and credited monthly. Interest rate and annual percentage yield may change after account opening. Monthly detailed statements include images of your checks. Images of your checks available online. Unlimited access to your account in person or by mail. Bill Pay is available. Annual Percentage Yield effective 9-1-26. We may change the interest rate on your account at any time. Interest compounded monthly. Interest will be credited to your account monthly. A maintenance fee of $5.00 will be imposed every month if the daily balance in the account falls below $2,500.00 any day of the month. Fees could reduce the earnings on this account. We use the daily balance method to calculate the interest on your account. Last Updated 09/19/2026 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 A maintenance fee will be imposed if the $2,500 daily balance is not maintained. Interest is compounded and credited monthly. Interest rate and annual percentage yield may change after account opening. Monthly detailed statements include images of your checks. Images of your checks available online. Unlimited access to your account in person or by mail. Bill Pay is available. Annual Percentage Yield effective 9-1-26. We may change the interest rate on your account at any time. Interest compounded monthly. Interest will be credited to your account monthly. A maintenance fee of $5.00 will be imposed every month if the daily balance in the account falls below $2,500.00 any day of the month. Fees could reduce the earnings on this account. We use the daily balance method to calculate the interest on your account. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.88%
Money Market Account	0.10%	0.10%
Min Deposit $2,500 Min Balance $10 Details A maintenance fee will be imposed if the $2,500 daily balance is not maintained. Interest is compounded and credited monthly. Interest rate and annual percentage yield may change after account opening. Monthly detailed statements include images of your checks. Images of your checks available online. Unlimited access to your account in person or by mail. Bill Pay is available. Annual Percentage Yield effective 9-1-26. We may change the interest rate on your account at any time. Interest compounded monthly. Interest will be credited to your account monthly. A maintenance fee of $5.00 will be imposed every month if the daily balance in the account falls below $2,500.00 any day of the month. Fees could reduce the earnings on this account. We use the daily balance method to calculate the interest on your account. Last Updated 09/19/2026 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.

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.

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

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	$118M	0.88%	5.0	A+
March 31, 2026	$119M	0.94%	5.0	A+
December 31, 2025	$125M	1.11%	5.0	A+
September 30, 2025	$114M	1.67%	5.0	A+
June 30, 2025	$113M	2.34%	5.0	A+
March 31, 2025	$114M	0.00%	5.0	A+
December 31, 2024	$115M	0.38%	5.0	A+
September 30, 2024	$111M	0.00%	5.0	A+
June 30, 2024	$110M	0.00%	5.0	A+
March 31, 2024	$110M	2.41%	5.0	A+
December 31, 2023	$115M	2.09%	5.0	A+
September 30, 2023	$111M	2.28%	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 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

Institution Name Union State Bank West Salem, WI

FDIC Certificate # 14560

Address 120 Mill St S, West Salem, WI 54669 · La Crosse

Website https://www.usbwestsalem.com

Established 19030825

FDIC Insurance Date 19340101

Domestic Offices 2

Total Branches 2

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.88%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.3443%

Return on Equity (ROE) 13.5800%

Non-Performing Loans (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 06/30/2026

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 — no need to download or upload anything.

<a href="https://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

Add Your Rating and Review for Union State Bank West Salem, WI

Frequently Asked Questions About Union State Bank West Salem, WI

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.