What are the current interest rates at Laona State Bank?

Current rates for Laona State Bank include: 12-Month CD: 2.53%, 18-Month CD: 2.53%, 24-Month CD: 2.78%, 36-Month CD: 2.78%, 48-Month CD: 2.78%, Savings: 0.10%, MMA: 0.05%

Laona State Bank Rates and Review January 2026

Q: How many branches does Laona State Bank operate?

Laona State Bank currently maintains approximately 8 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Laona 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Laona State Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

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Laona State Bank Deposit Rates

Laona State Bank's 48-Month CD rates are at 2.78%, 36-Month CD rates are at 2.78%, 24-Month CD rates are at 2.78%, 12-Month CD rates are at 2.53%, 18-Month CD rates are at 2.53%. Laona State Bank's savings rates are at 0.10%. Laona State Bank's money market rates are at 0.05%.

Laona State Bank

To see how these rates compare to Laona State Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Laona State Bank, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Laona State Bank CD rates. You can also compare Laona State Bank savings rates, MMA rates and mortgage rates using our other rate lists.

Laona 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 Laona State Bank? Share your experience about Laona State Bank by leaving a review below, or read customer reviews before you decide to use Laona State Bank.

Financial Stability and Texas Ratio

Laona State Bank's Texas Ratio is at 23.60%, which is considered excellent. The Texas Ratio for Laona State Bank is higher than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, Laona State Bank is a good bank worth considering, with an overall rating of 3 stars out of 5 stars.

Current Interest Rates

Rate

APY/APR

vs Avg

12-Month CD

2.53%

2.37%

18-Month CD

2.53%

2.15%

24-Month CD

2.78%

2.17%

36-Month CD

2.78%

2.12%

48-Month CD

2.78%

2.11%

60-Month CD

N/A

2.23%

Savings

0.10%

0.60%

MMA

0.05%

0.76%

30-Year Fixed

N/A

6.09%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

"N/A" indicates the product is not offered or the rate is unavailable.

Laona State Bank

5308 Beech St
Laona, WI 54541

https://www.laonastatebank.com

MonitorBankRates' Rating

3/5

★★★☆☆

Review Laona State Bank

Laona State Bank CD Rates and Interest Rates

Laona State Bank

24-Month CD

2.78%

$500

Laona State Bank

36-Month CD

2.78%

$500

Laona State Bank

48-Month CD

2.78%

$500

Laona State Bank

12-Month CD

2.53%

$500

Laona State Bank

18-Month CD

2.53%

$500

Laona State Bank

Savings

0.10%

Laona State Bank

Money Market

0.05%

$1,000

Disclaimer

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare Laona State Bank Rates with Other Competitive Bank and Credit Union Rates

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Communitywide Federal Credit Union

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ABCO Federal Credit Union

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Hometown Bank of PA

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Citizens Bank of Kansas

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3.03%

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Black River Country Bank

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Marion Center Bank

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3.00%

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Citizens Federal S&L Assoc

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2.95%

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M.Y. Safra Bank

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2.75%

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Platte Valley Bank North Bend, NE

48-Month CD

2.70%

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Yampa Valley Bank

48-Month CD

2.60%

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United Trust Bank

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2.60%

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Susquehanna Community Bank

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2.57%

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FNB of Kansas

48-Month CD

2.50%

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Metropolitan Capital B&T

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Vast Bank

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2.50%

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Root River State Bank

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2.10%

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Peoples Bank of Deer Lodge

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2.02%

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Randolph Brooks FCU

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TruBank

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Home National Bank Racine, OH

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1.50%

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Liberty Bank Liberty, IL

30-Month CD

1.41%

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Home Bank SB

60-Month CD

1.36%

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Consumers Credit Union

48-Month CD

1.35%

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Wayne Bank and Trust Co.

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1.02%

Fairfield County Bank

24-Month CD

1.00%

$2,500

First Security State Bank Evansdale, IA

6-Month CD

0.85%

$1,000

FirstOak Bank

36-Month CD

0.85%

$500

Wallkill Valley Federal S&L

30-Month CD

0.61%

$500

GN Bank

60-Month CD

0.60%

$1,000

First State Bank of Harvey

Regular Savings

0.45%

BankPlus

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0.45%

$1,000

Premier Bank Omaha, NE

Premier Savings

0.40%

Charter Bank IA

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0.35%

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OneUnited Bank

24-Month CD

0.30%

$1,000

PCSB Bank

36-Month CD

0.30%

$500

Blue Foundry Bank

24-Month CD

0.30%

$1,000

Bristol Morgan Bank

Money Market

0.25%

$1,000

FSB of Burnet

NOW Checking

0.15%

First Horizon

36-Month CD

0.10%

$1,000

First Citizens Bank Luverne, AL

NOW Checking

0.10%

$1,500

National Iron Bank

Money Market

0.10%

$25,000

Union Bank, Inc.

18-Month CD

0.10%

$1,000

Falcon National Bank

Kasasa Savings

0.05%

$50

Disclaimer

Mortgage Rate Comparison

Lender

Product

Rate

APR

Points

Old National Bank

30-Year Fixed FHA

5.875%

7.902%

0.000

Smart Financial Credit Union

3/1 ARM

4.240%

7.689%

0.000

Smart Financial Credit Union

3/1 ARM (Jumbo)

4.240%

7.689%

0.000

Grow Financial Federal Credit Union

5/1 ARM

5.750%

7.634%

0.000

Smart Financial Credit Union

5/1 ARM

4.740%

7.533%

0.000

Smart Financial Credit Union

5/1 ARM (Jumbo)

4.740%

7.533%

0.000

Great Lakes Credit Union

20 Year Fixed

7.125%

7.527%

0.000

Lake Shore Savings Bank

30-Year Fixed

7.250%

7.402%

0.000

Grow Financial Federal Credit Union

10/1 ARM

6.250%

7.325%

0.000

Kohler Credit Union

10/1 ARM

6.250%

7.325%

0.000

Laredo Federal Credit Union

20 Year Fixed

6.999%

7.235%

0.000

State Employees Credit Union

15 Year Fixed

7.000%

7.168%

0.000

FirstBank of Nebraska

30-Year Fixed

7.125%

7.126%

0.000

Marathon Bank

7/1 ARM

7.000%

7.111%

0.000

Lake Shore Savings Bank

20-Year Fixed

6.800%

6.993%

0.000

Hoosier Hills Credit Union

30 Year Fixed

6.750%

6.880%

0.000

Marathon Bank

5/1 ARM

6.750%

6.859%

0.000

American Bank

30-Year Fixed Jumbo

6.750%

6.825%

0.000

Fidelity Co-operative Bank

30-Year Fixed Jumbo

6.625%

6.809%

0.000

Kennebec Savings Bank

30-Year Fixed

6.750%

0.000

Alpena-Alcona Area Credit Union

30-Year Fixed

6.500%

6.748%

0.000

People First Federal Credit Union

10/1 ARM (Jumbo)

6.740%

6.723%

0.000

Pittsfield Co-operative Bank

7/1 ARM

6.750%

6.697%

0.000

Great Lakes Credit Union

30 Year Fixed

6.375%

6.670%

0.000

Laredo Federal Credit Union

15 Year Fixed

6.375%

6.662%

0.000

Port Washington State Bank

3/1 ARM

6.500%

6.648%

0.000

Port Washington State Bank

5/1 ARM

6.500%

6.630%

0.000

Missouri Credit Union

20 Year Fixed

6.500%

6.628%

0.000

FirstBank of Nebraska

15-Year Fixed

6.625%

6.627%

0.000

FirstBank of Nebraska

20-Year Fixed

6.625%

6.626%

0.000

Missouri Credit Union

30 Year Fixed

6.500%

6.597%

0.000

Penn East Federal Credit Union

10/6 ARM

6.525%

6.595%

0.000

Seaboard Federal Credit Union

30-Year Fixed

6.500%

6.595%

0.000

Pittsfield Co-operative Bank

10/1 ARM

6.500%

6.582%

0.000

Achieva Credit Union

5/1 ARM

5.250%

6.580%

0.000

Auburn Savings Bank

30-Year Fixed

6.500%

6.559%

0.000

Fidelity Co-operative Bank

30-Year Fixed

6.375%

6.556%

0.000

Truliant Federal Credit Union

30-Year Fixed Jumbo

6.500%

6.553%

0.000

Penn Community Bank

5/1 ARM (Jumbo)

6.500%

6.546%

0.000

Penn Community Bank

30-Year Fixed (Jumbo)

6.500%

6.546%

0.000

Mid American Credit Union

30 Year Fixed

6.375%

6.544%

0.000

Laredo Federal Credit Union

10 Year Fixed

6.125%

6.526%

0.000

GreenLeaf Bank

30-Year Fixed

6.500%

6.512%

0.000

Fox Valley Savings Bank

30-Year Fixed

6.375%

6.504%

0.000

Kennebec Savings Bank

15-Year Fixed

6.500%

0.000

Pittsfield Co-operative Bank

30-Year Fixed

6.375%

6.498%

0.000

Penn East Federal Credit Union

5/6 ARM

6.300%

6.498%

0.000

NASA Federal Credit Union

15-Year Fixed Jumbo

6.250%

6.481%

0.000

Northfield Savings Bank

5/1 ARM

5.625%

6.461%

0.000

FirstBank of Nebraska

10/1 ARM

6.375%

6.460%

0.000

View 50 More

Bank Profile & Overview

Laona State Bank

5308 Beech St
Laona, WI 54541
Forest
Established Date: 01/01/1914
FDIC Certificate #: 11601
Date of FDIC Deposit Insurance: 01/01/1934

Bank Holding Company: NORTHERN WI BK HOLDING CO INC

How Many Domestic U.S. Offices? 8

How Many Branches are There? 8

Website: https://www.laonastatebank.com

Is Laona State Bank FDIC Insured? Yes

What is Laona State Bank's Cert number? 11601

What is the maximum amount for insured deposits? $250,000 per holder, per account

Financial Health & Assets

Total Assets:

$262,958,000

Total Deposits:

$244,487,000

Equity Capital:

$17,240,000

Net Income:

$58,000

Return on Assets (ROA):

0.3962%

Return on Equity (ROE):

6.4700%

Headquarters:

Laona

Regulator:

FDIC

# of Offices:

Source: FDIC | Last Updated 03/31/2024

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Laona State Bank

Is Laona State Bank a safe place to deposit money?

Yes, Laona State Bank is considered a safe financial institution. With a Texas Ratio of 23.60%, the institution's financial health is rated as stable. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Laona State Bank operate?

Laona State Bank currently maintains approximately 8 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, Laona 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, Laona State Bank provides members with tools to manage their accounts and build a solid financial history.

Does Laona State Bank offer online and mobile banking?

Most modern institutions like Laona 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.laonastatebank.com.