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Waukesha State Bank Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
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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.
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 5, 2026
Waukesha State Bank's CD - 5 Years rates are at 4.65%, CD - 2 Years rates are at 4.40%, CD - 3 Years rates are at 4.40%, CD - 1 Year rates are at 4.25%, CD - 18-Month with Raise Your Rate Option rates are at 4.25%. Waukesha State Bank's Fast & Friendly 1st Mortgage Refinance rates are at 5.875%. Waukesha State Bank's Auto Loan Rates are as low as 8.00%. Waukesha State Bank's top CD rate of 4.65% APY on a 5 year CD is 59% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Waukesha State Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.44%. Rates last updated and verified on 11/05/2026.
Waukesha 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 Waukesha State Bank? Share your experience about Waukesha State Bank by leaving a review below, or read customer reviews before you decide to use Waukesha State Bank.
Waukesha State Bank has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Waukesha State Bank has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
1.44%
ExcellentLower than avg
Waukesha State Bank Texas Ratio
Waukesha State Bank's Texas Ratio is 1.44%, which is considered excellent and is lower than the national average of 5.85%.
Waukesha State Bank has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
1.43% to 1.44% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this bank has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
Waukesha State Bank CD Rates
Product
Rate
APY
Term
Min. Deposit
View More
CD - 5-Years
4.554%
4.65%
5 Years
$500
Min Deposit$500
DetailsAPY compounded: Monthly; Rates and terms apply to regular and jumbo CDs up to $1 million
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 4.65% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
CD - 2-Years
4.314%
4.40%
2 Years
$500
Min Deposit$500
DetailsAPY compounded: Monthly; Rates and terms apply to regular and jumbo CDs up to $1 million
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 4.40% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
CD - 3-Years
4.314%
4.40%
3 Years
$500
Min Deposit$500
DetailsAPY compounded: Monthly; Rates and terms apply to regular and jumbo CDs up to $1 million
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 4.40% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
CD - 1-Year
4.169%
4.25%
1 Year
$500
Min Deposit$500
DetailsAPY compounded: Monthly; Rates and terms apply to regular and jumbo CDs up to $1 million
Last Updated11/05/2026
Rate History
1 change since Oct 22, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
Oct 26, 20264.25%▲ from 4.15%
Oct 22, 20264.15%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
CD - 18-Month with Raise Your Rate Option
4.169%
4.25%
18 Month
$500
Min Deposit$500
DetailsRaise Your Rate option; APY compounded: Monthly; Rates and terms apply to regular and jumbo CDs up to $1 million
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
CD - 18-month
4.169%
4.25%
18 Months
$500
Min Deposit$500
DetailsAPY compounded: Monthly; Rates and terms apply to regular and jumbo CDs up to $1 million
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
CD - 6-month
3.928%
4.00%
6 Months
$500
Min Deposit$500
DetailsAPY compounded: Monthly; Rates and terms apply to regular and jumbo CDs up to $1 million
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Waukesha State Bank Mortgage Rates
Product
Rate
Points
APR
Term
View More
Fast & Friendly 1st Mortgage Refinance
5.875%
-
6.16%
5 Years
DetailsMaximum LTV: 80%; Closing Costs: $250
Last Updated11/05/2026
Rate History
No change since Sep 18, 2026 · 6.16% APR · checked 15 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Fast & Friendly 1st Mortgage Refinance
6.375%
-
6.53%
10 Years
DetailsMaximum LTV: 80%; Closing Costs: $250
Last Updated11/05/2026
Rate History
No change since Sep 18, 2026 · 6.53% APR · checked 15 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Fast & Friendly 1st Mortgage Refinance
6.375%
-
6.661%
5 Years
DetailsMaximum LTV: 85%; Closing Costs: $250
Last Updated11/05/2026
Rate History
No change since Sep 18, 2026 · 6.66% APR · checked 15 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Fast & Friendly 1st Mortgage Refinance
6.875%
-
7.032%
10 Years
DetailsMaximum LTV: 85%; Closing Costs: $250
Last Updated11/05/2026
Rate History
No change since Sep 18, 2026 · 7.03% APR · checked 15 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Fast & Friendly 1st Mortgage Refinance
6.875%
-
7.163%
5 Years
DetailsMaximum LTV: 90%; Closing Costs: $250
Last Updated11/05/2026
Rate History
No change since Sep 18, 2026 · 7.16% APR · checked 15 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Fast & Friendly 1st Mortgage Refinance
7.375%
-
7.533%
10 Years
DetailsMaximum LTV: 90%; Closing Costs: $250
Last Updated11/05/2026
Rate History
No change since Sep 18, 2026 · 7.53% APR · checked 15 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Waukesha State Bank Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
HELOC Special
-
-
6.50%
DetailsVariable Rate: Prime Rate - 0.50%; Maximum LTV: 80%; Minimum Loan Amount: $50,000; Maximum Loan Amount: $300,000; Maximum APR is 18.00%
Last Updated11/05/2026
Rate History
1 change since Sep 15, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25%
Sep 18, 20266.50%▲ from 6.25%
Sep 15, 20266.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Home Equity Loan - 5 Year Fixed
6.50%
-
6.787%
5 Years
DetailsMaximum LTV: 80%
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 6.79% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
HELOC 80
-
-
7.00%
DetailsVariable Rate: Prime Rate + 0.00%; Maximum LTV: 80%; Minimum Loan Amount: No Minimum; Maximum Loan Amount: $300,000; Maximum APR is 18.00%
Last Updated11/05/2026
Rate History
1 change since Sep 15, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
Sep 18, 20267.00%▲ from 6.75%
Sep 15, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Home Equity Loan - 5 Year Fixed
7.00%
-
7.288%
5 Years
DetailsMaximum LTV: 85%
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 7.29% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
HELOC 85
-
-
7.50%
DetailsVariable Rate: Prime Rate + 0.50%; Maximum LTV: 85%; Minimum Loan Amount: No Minimum; Maximum Loan Amount: $250,000; Maximum APR is 18.00%
Last Updated11/05/2026
Rate History
1 change since Sep 15, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25%
Sep 18, 20267.50%▲ from 7.25%
Sep 15, 20267.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Home Equity Loan - 5 Year Fixed
7.50%
-
7.789%
5 Years
DetailsMaximum LTV: 90%
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 7.79% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Home Equity Loan - 10 Year Fixed
7.75%
-
7.91%
10 Years
DetailsMaximum LTV: 80%
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 7.91% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
HELOC 90
-
-
8.00%
DetailsVariable Rate: Prime Rate + 1.00%; Maximum LTV: 90%; Minimum Loan Amount: No Minimum; Maximum Loan Amount: $250,000; Maximum APR is 18.00%
Last Updated11/05/2026
Rate History
1 change since Sep 15, 2026 · 7.75% → 8.00% ▲ 0.25 pts · high 8.00% / low 7.75%
Sep 18, 20268.00%▲ from 7.75%
Sep 15, 20267.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Home Equity Loan - 10 Year Fixed
8.25%
-
8.411%
10 Years
DetailsMaximum LTV: 85%
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 8.41% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Home Equity Loan - 15 Year Fixed
8.50%
-
8.619%
15 Years
DetailsMaximum LTV: 80%
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 8.62% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Home Equity Loan - 10 Year Fixed
8.75%
-
8.913%
10 Years
DetailsMaximum LTV: 90%
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 8.91% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
HELOC 100
-
-
9.00%
DetailsVariable Rate: Prime Rate + 2.00%; Maximum LTV: 100%; Minimum Loan Amount: No Minimum; Maximum Loan Amount: $150,000; Maximum APR is 18.00%
Last Updated11/05/2026
Rate History
1 change since Sep 15, 2026 · 8.75% → 9.00% ▲ 0.25 pts · high 9.00% / low 8.75%
Sep 18, 20269.00%▲ from 8.75%
Sep 15, 20268.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Home Equity Loan - 15 Year Fixed
9.00%
-
9.121%
15 Years
DetailsMaximum LTV: 85%
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 9.12% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Home Equity Loan - 5 Year Fixed
8.875%
-
9.169%
5 Years
DetailsMaximum LTV: 100%
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 9.17% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Home Equity Loan - 15 Year Fixed
9.50%
-
9.623%
15 Years
DetailsMaximum LTV: 90%
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 9.62% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Home Equity Loan - 10 Year Fixed
10.375%
-
10.544%
10 Years
DetailsMaximum LTV: 100%
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 10.54% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
HELOC 105
-
-
11.00%
DetailsVariable Rate: Prime Rate + 4.00%; Maximum LTV: 105%; Minimum Loan Amount: No Minimum; Maximum Loan Amount: $150,000; Maximum APR is 18.00%; Interest on the portion above fair market value of the dwelling is not tax deductible for Federal income tax purposes
Last Updated11/05/2026
Rate History
1 change since Sep 15, 2026 · 10.75% → 11.00% ▲ 0.25 pts · high 11.00% / low 10.75%
Sep 18, 202611.00%▲ from 10.75%
Sep 15, 202610.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Home Equity Loan - 15 Year Fixed
10.875%
-
11.004%
15 Years
DetailsMaximum LTV: 100%
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 11.00% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Home Equity Loan - 5 Year Fixed
10.875%
-
11.175%
5 Years
DetailsMaximum LTV: 105%***
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 11.18% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Waukesha State Bank Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Automobile Loan - New
-
-
8.00%
48 months
DetailsYear of Vehicle: 2025 - 2026; APR assumes automatic monthly payments, loan amount of $5,000 or more, credit scores over 699, total debt ratio of 43% or less and no adverse underwriting factors
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 8.00% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Automobile Loan - Used
-
-
8.00%
36 months
DetailsYear of Vehicle: 2022 - 2026; APR assumes automatic monthly payments, loan amount of $5,000 or more, credit scores over 699, total debt ratio of 43% or less and no adverse underwriting factors
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 8.00% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Automobile Loan - New
-
-
8.25%
60 months
DetailsYear of Vehicle: 2025 - 2026; APR assumes automatic monthly payments, loan amount of $5,000 or more, credit scores over 699, total debt ratio of 43% or less and no adverse underwriting factors
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 8.25% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Automobile Loan - Used
-
-
8.25%
48 months
DetailsYear of Vehicle: 2022 - 2026; APR assumes automatic monthly payments, loan amount of $5,000 or more, credit scores over 699, total debt ratio of 43% or less and no adverse underwriting factors
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 8.25% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Automobile Loan - Used
-
-
8.25%
24 months
DetailsYear of Vehicle: 2017 - 2021; APR assumes automatic monthly payments, loan amount of $5,000 or more, credit scores over 699, total debt ratio of 43% or less and no adverse underwriting factors
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 8.25% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Automobile Loan - New
-
-
8.50%
72 months
DetailsYear of Vehicle: 2025 - 2026; APR assumes automatic monthly payments, loan amount of $5,000 or more, credit scores over 699, total debt ratio of 43% or less and no adverse underwriting factors
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 8.50% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Automobile Loan - Used
-
-
8.50%
60 months
DetailsYear of Vehicle: 2022 - 2026; APR assumes automatic monthly payments, loan amount of $5,000 or more, credit scores over 699, total debt ratio of 43% or less and no adverse underwriting factors
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 8.50% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Automobile Loan - Used
-
-
8.50%
36 months
DetailsYear of Vehicle: 2017 - 2021; APR assumes automatic monthly payments, loan amount of $5,000 or more, credit scores over 699, total debt ratio of 43% or less and no adverse underwriting factors
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 8.50% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Automobile Loan - Used
-
-
8.75%
48 months
DetailsYear of Vehicle: 2017 - 2021; APR assumes automatic monthly payments, loan amount of $5,000 or more, credit scores over 699, total debt ratio of 43% or less and no adverse underwriting factors
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 8.75% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Automobile Loan - Used
-
-
8.75%
24 months
DetailsYear of Vehicle: 2012 - 2016; APR assumes automatic monthly payments, loan amount of $5,000 or more, credit scores over 699, total debt ratio of 43% or less and no adverse underwriting factors
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 8.75% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Automobile Loan - Used
-
-
9.00%
36 months
DetailsYear of Vehicle: 2012 - 2016; APR assumes automatic monthly payments, loan amount of $5,000 or more, credit scores over 699, total debt ratio of 43% or less and no adverse underwriting factors
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 9.00% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Waukesha State Bank Other Rates
Product
Rate
Points
APY/APR
Term
View More
Traditional IRA / ROTH IRA / Coverdell Savings - 1 Year
4.169%
-
4.25%
1 Year
Min Deposit$1
DetailsAPY Compounded: Monthly; There may be a penalty for early withdrawal
Last Updated11/05/2026
Rate History
1 change since Oct 22, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
Oct 26, 20264.25%▲ from 4.15%
Oct 22, 20264.15%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Traditional IRA / ROTH IRA / Coverdell Savings - 18 Months
4.169%
-
4.25%
18 Months
Min Deposit$1
DetailsAPY Compounded: Monthly; There may be a penalty for early withdrawal
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Traditional IRA / ROTH IRA / Coverdell Savings - 2 Years
4.314%
-
4.40%
2 Years
Min Deposit$1
DetailsAPY Compounded: Monthly; There may be a penalty for early withdrawal
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 4.40% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Traditional IRA / ROTH IRA / Coverdell Savings - 3 Years
4.314%
-
4.40%
3 Years
Min Deposit$1
DetailsAPY Compounded: Monthly; There may be a penalty for early withdrawal
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 4.40% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Traditional IRA / ROTH IRA / Coverdell Savings - 4 Years
4.314%
-
4.40%
4 Years
Min Deposit$1
DetailsAPY Compounded: Monthly; There may be a penalty for early withdrawal
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 4.40% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Traditional IRA / ROTH IRA / Coverdell Savings - 5 Years
4.554%
-
4.65%
5 Years
Min Deposit$1
DetailsAPY Compounded: Monthly; There may be a penalty for early withdrawal
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 4.65% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.44%
Financial Health History
Waukesha State Bank’s Texas Ratio stayed near 1.43% in Q3 2023 to 1.44% in Q2 2026, so its financial health has stayed 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
$1.6B
1.44%
5.0
A+
March 31, 2026
$1.6B
3.51%
5.0
A+
December 31, 2025
$1.6B
3.19%
5.0
A+
September 30, 2025
$1.6B
1.74%
5.0
A+
June 30, 2025
$1.5B
1.67%
5.0
A+
March 31, 2025
$1.5B
2.55%
5.0
A+
December 31, 2024
$1.5B
2.85%
5.0
A+
September 30, 2024
$1.5B
1.79%
5.0
A+
June 30, 2024
$1.5B
2.06%
5.0
A+
March 31, 2024
$1.5B
1.74%
5.0
A+
December 31, 2023
$1.5B
1.87%
5.0
A+
September 30, 2023
$1.5B
1.43%
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 Waukesha 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 Waukesha 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 Waukesha State Bank's official website for the most current offers and terms.
Address
151 E Saint Paul Ave,
Waukesha, WI 53188 · Waukesha
Bank Holding CompanyBANK STREET CAPITAL CORP
FDIC Certificate #16160
RegulatorFDIC
EstablishedJune 15, 1944
FDIC Insurance DateJune 15, 1944
Domestic Offices15
Total Branches15
FDIC Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.44%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
2.3786%
Return on Equity (ROE)
21.8500%
Non-Performing Loans Ratio (NPL)
0.18%
Total Assets
$1,624,971,000
Total Deposits
$1,288,902,000
Equity Capital
$177,708,000
Net Income
$19,268,000
Headquarters
Waukesha
Total Branches and Offices
15
Source: FDIC — Last Updated June 30, 2026
2026 MBR Health & Safety Badge
Waukesha State Bank earned the Verified Healthy badge
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Frequently Asked Questions About Waukesha State Bank
Does Waukesha State Bank offer CDs?
Yes. Waukesha State Bank current CD rates include its CD - 5 Years at 4.65% APY, its CD - 2 Years at 4.40% APY and its CD - 3 Years at 4.40% APY, verified by MonitorBankRates as of November 5, 2026.
Are CDs from Waukesha State Bank FDIC insured?
Yes. Waukesha State Bank 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 Waukesha State Bank?
The highest Waukesha State Bank CD rate is its Certificate of Deposit - 5 Years at 4.65% APY, verified by MonitorBankRates as of November 5, 2026.
What CD terms does Waukesha State Bank offer?
Waukesha State Bank CD rates are 4.25% APY for a 12 month CD, 4.25% APY for an 18 month CD, 4.40% APY for a 2 year CD, 4.40% APY for a 3 year CD and 4.65% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Waukesha State Bank for its full lineup.
What is the lowest mortgage rate at Waukesha State Bank?
The lowest Waukesha State Bank mortgage rate is its Fast & Friendly 1st Mortgage Refinance at 5.875%, verified by MonitorBankRates as of November 5, 2026.
How many branches does Waukesha State Bank operate?
Waukesha State Bank currently maintains approximately 15 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, Waukesha 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, Waukesha State Bank provides members with tools to manage their accounts and build a solid financial history.
Does Waukesha State Bank offer online and mobile banking?
Most modern institutions like Waukesha 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.waukeshabank.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 Waukesha State Bank rates compare?
Waukesha State Bank's top CD rate of 4.65% APY on a 5 year CD is 59% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. Waukesha State Bank's top rates are its Certificate of Deposit - 5 Years at 4.65% APY, its Fast & Friendly 1st Mortgage Refinance at 5.875% and its Automobile Loan - New at 8.00% APR, verified by MonitorBankRates on November 5, 2026.
Current Waukesha State Bank Rates
12-Month CD4.25%
18-Month CD4.25%
24-Month CD4.40%
36-Month CD4.40%
60-Month CD4.65%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
