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Northwestern Bank Rates & Review August 2026

Northwestern Bank's 19-Month rates are at 4.10%, 13-Month rates are at 4.00%, 7-Month rates are at 3.85%, 18-Month rates are at 2.17%, 18-Month IRA Certificates rates are at 2.17%. Northwestern Bank's savings rates are at 0.15%. Northwestern Bank's money market rates are at 0.50%. MonitorBankRates evaluates the financial stability of Northwestern Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.49%. Rates last updated and verified on 08/28/2026.

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

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.49%
Excellent Lower than avg
Northwestern Bank
202 N Bridge St
Chippewa Falls, WI 54729
https://www.northwesternbank.com
Member FDIC

Northwestern Bank CD Rates

Product Rate APY Term View More
19 Month 4.03% 4.10%
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.49%
13 Month 3.93% 4.00%
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.49%
7 Month 3.82% 3.85%
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.49%
18 Month 2.15% 2.17%
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.49%
18 Month IRA Certificates 2.15% 2.17% 18 Month
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.49%
12 Month 1.98% 2.00%
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.49%

Northwestern Bank Savings Rates

Product Rate APY View More
Health Savings Account 2.00% 2.02%
Min Balance $10,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.49%
Health Savings Account 1.75% 1.76%
Min Balance $2,500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.49%
Health Savings Account 1.45% 1.46%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.49%
Business Statement Savings 0.25% 0.25%
Min Deposit $10
Details The interest rate on your account is .15% with an annual percentage yield (APY) of .15% . The interest rate and APY on your account are variable, set by bank discretion and may change at any time. Interest will be compounded and credited monthly . If you close your account before interest is credited you will receive the accrued interest. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal balance in the account each day. Interest begins to accrue no later than the business day when the bank receives credit for a deposit of non-cash items (for example, checks). Limit of 6 transfer/withdrawals per statement cycle. Unlimited transfers/withdrawals are allowed if completed in-person at an ATM or Northwestern Bank location . If you exceed the transfer limitations set forth above in any statement cycle, your account will be subject to closure. You will get a monthly account statement, unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly. There is a monthly minimum balance fee of $2 if the average monthly ledger balance drops below $50. Account statements and account related item images are kept for 7 years.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.49%
Statement Savings 0.25% 0.25%
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.49%
Statement Savings 0.15% 0.15%
Min Deposit $10
Details The interest rate and APY on your account are variable, set by bank discretion and may change at any time. Limit of 6 transfer/withdrawals per statement cycle. Unlimited transfers/withdrawals are allowed if completed in-person at an ATM or Northwestern Bank location. If you exceed the transfer limitations set forth above in any statement cycle, your account will be subject to closure. There is a monthly minimum balance fee of $2 if the average monthly ledger balance drops below $50.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.49%

Northwestern Bank Money Market Rates

Product Rate APY View More
Keystone Money Market 2.20% 2.22%
Min Balance $900,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.49%
Keystone Money Market 1.75% 1.76%
Min Balance $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.49%
Keystone Money Market 1.00% 1.00%
Min Balance $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.49%
Keystone Money Market 0.75% 0.75%
Min Balance $25,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.49%
Keystone Money Market 0.50% 0.50%
Min Balance $10,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.49%

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Northwestern 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 Northwestern 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 Northwestern Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Northwestern Bank
Bank Holding Company NW BANCSHARES INC
Address 202 N Bridge St, Chippewa Falls, WI 54729  ·  Chippewa
FDIC Certificate # 2468
Established 01/01/1904
FDIC Insurance Date 01/01/1934
Domestic Offices 7
Total Branches 7
Regulator FED
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 100/100
5.0
Exceptional Out of 5.0 Stars
0.49%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 1.6833%
Return on Equity (ROE) 23.3500%
Non-Performing Loans (NPL) 0.03%
Total Assets $705,139,000
Total Deposits $569,058,000
Equity Capital $68,032,000
Net Income $14,263,000
Headquarters Chippewa Falls
Total Branches and Offices 7
Source: FDIC  |  Last Updated 12/31/2025

Customer Reviews

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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Northwestern Bank

How many branches does Northwestern Bank operate?

Northwestern Bank currently maintains approximately 7 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, Northwestern 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, Northwestern Bank provides members with tools to manage their accounts and build a solid financial history.

Does Northwestern Bank offer online and mobile banking?

Most modern institutions like Northwestern 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.northwesternbank.com.

Current Northwestern Bank Rates

  • 12-Month CD2.00%
  • 18-Month CD2.17%
  • Savings0.15%
  • MMA0.50%
Retrieved from our database of financial products. Rates subject to change.