Holiday Hours

On Wednesday, December 31, 2025, New Year's Eve, we will be open during normal business hours all day. Thursday, January 1, 2026, we will be closed in observation of New Year's Day. We will resume normal business hours on Friday, January 2, 2026. Thank you!

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%
Business Checking Plus	$100.00	0.20%	0.20%

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 December 1, 2025.

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 — Sara Taylor Vice President & Mortgage Loan Officer Email Sara Call Sara NMLS ID: 489535

Lindsey Sprague — Lindsey Sprague Mortgage Loan Officer Email Lindsey Call Lindsey NMLS ID: 1970105

Taylor Engholm — Taylor Engholm Commercial Loan Officer Email Taylor Call Taylor NMLS ID: 2467744

Karissa Kane — Karissa Kane Consumer Lender Email Karissa Call Karissa NMLS ID: 2599555

Skye Neidermann — Skye Neidermann Loan Processor Email Skye Call Skye NMLS ID: 2664960