Rates
The Best the Northwoods has to Offer Deposit Rates Checking Accounts
Comparison table of Checking Accounts
Product
Min. Opening Deposit
Interest Rate
APY*
Gold Checking
$250.00
0.20%
0.20%
Red, White, & Blue Checking
$250.00
0.20%
0.20%
Student Checking
$0.00
0.30%
0.30%
Money Market Checking
Comparison table of Money Market Checking
Tiers
Min. Opening Deposit
Interest Rate
APY*
$500.00 – $9,999.99
$500.00
0.55%
0.55%
$10,000.00 – $49,999.99
$10,000.00
1.00%
1.01%
$50,000.00 – $99,999.99
$50,000.00
1.65%
1.66%
$100,000.00 +
$100,000.00
2.10%
2.12%
Savings Accounts
Comparison table of Savings Accounts
Savings
Min. Opening Deposit
Interest Rate
APY*
Smart Savings
$10.00
0.20%
0.20%
Money Market Savings
$1,000.00
0.55%
0.55%
Junior Savers
$0.00
1.00%
1.00%
Christmas Club Savings
$0.00
2.30%
2.32%
Health Savings Account
Comparison table of Health Savings Account
Tiers
Min. Opening Deposit
Interest Rate
APY*
$0.00 – $499.99
$0.00
0.20%
0.20%
$500.00 – $2,999.99
$500.00
0.40%
0.40%
$3,000.00 +
$3,000.00
0.60%
0.60%
Certificates of Deposit
Comparison table of Certificates of Deposit
Product
Min. Opening Deposit
Interest Rate
APY*
3 Month
$1,000.00
0.60%
0.60%
6 Month
$1,000.00
1.50%
1.51%
1 Year
$1,000.00
2.30%
2.32%
2 Year
$1,000.00
2.40%
2.42%
3 Year
$1,000.00
2.45%
2.47%
5 Year
$1,000.00
2.45%
2.47%
Individual Retirement Accounts
Comparison table of Individual Retirement Accounts
Product
Min. Opening Deposit
Interest Rate
APY*
3 Month
$0.00
0.85%
0.85%
6 Month
$0.00
1.75%
1.76%
1 Year
$0.00
2.55%
2.57%
2 Year
$0.00
2.65%
2.67%
3 Year
$0.00
2.70%
2.72%
5 Year
$0.00
2.70%
2.72%
Interest Rates as of October 24, 2025.
* APY = Annual Percentage Yield
Rates are subject to change at anytime until purchase of CD.
Penalty equal to 12 months interest for early withdrawal from CDs of term greater than 6 months; all interest on terms 3 to 6 months.
Fees may reduce earnings.
Rates may vary after account opening.
Loan Rates
For the most accurate and up-to-date information, please call our branch at 715-532-3389 and ask to speak with a lender for current rates and personalized loan quotes.
Sara Taylor
Vice President & Mortgage Loan Officer
Email Sara Call Sara NMLS ID: 489535
Lindsey Sprague
Mortgage Loan Officer
Email Lindsey Call Lindsey NMLS ID: 1970105
Taylor Engholm
Commercial Loan Officer
Email Taylor Call Taylor NMLS ID: 2467744
Karissa Kane
Consumer Lender
Email Karissa Call Karissa NMLS ID: 2599555
Skye Neidermann
Consumer Lender
Email Skye Call Skye NMLS ID: 2664960
