Holiday Hours

We will be closed on Friday, July 4, 2025, in observation of Independence Day. We will resume normal business hours on Monday, June 7, 2025.

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 0.20% 0.20%
Red, White, & Blue Checking $250 0.20% 0.20%
Student Checking $0 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 0.55% 0.55%
$10,000.00 – $49,999.99 $10,000 1.00% 1.01%
$50,000.00 – $99,999.99 $50,000 1.65% 1.66%
$100,000.00 + $100,000 2.10% 2.12%

Savings Accounts

Comparison table of Savings Accounts
Savings Min. Opening Deposit Interest Rate APY*
Smart Savings $10 0.20% 0.20%
Money Market Savings $1,000 0.55% 0.55%
Junior Savers $0 1.00% 1.00%
Christmas Club Savings $0 2.75% 2.75%

Health Savings Account

Comparison table of Health Savings Account
Tiers Min. Opening Deposit Interest Rate APY*
$0.00 – $499.99 $0 0.20% 0.20%
$500.00 – $2,999.99 $500 0.40% 0.40%
$3,000.00 + $3,000 0.60% 0.60%

Certificates of Deposit

Comparison table of Certificates of Deposit
Product Min. Opening Deposit Interest Rate APY*
3 Month $1,000 0.60% 0.60%
6 Month $1,000 1.50% 1.51%
1 Year $1,000 2.30% 2.32%
2 Year $1,000 2.40% 2.42%
3 Year $1,000 2.45% 2.47%
5 Year $1,000 2.45% 2.47%

Individual Retirement Accounts

Comparison table of Individual Retirement Accounts
Product Min. Opening Deposit Interest Rate APY*
3 Month $0 0.85% 0.85%
6 Month $0 1.75% 1.76%
1 Year $0 2.55% 2.57%
2 Year $0 2.65% 2.67%
3 Year $0 2.70% 2.72%
5 Year $0 2.70% 2.72%

Interest Rates as of April 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 NMLS ID: 489535
Lindsey Sprague
Lindsey Sprague Mortgage Loan Officer NMLS ID: 1970105
Taylor Engholm
Taylor Engholm Commercial Loan Officer NMLS ID: 2467744
Karissa Kane
Karissa Kane Consumer Lender NMLS ID: 2599555
Skye Neidermann
Skye Neidermann Consumer Lender NMLS ID: 2664960
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