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Headwaters State Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.41%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.45%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
headwatersstatebank.com
715-547-3383
4175 County Highway B
Land O Lakes, WI 54540

Headwaters State Bank is headquartered in LAND O' LAKES and is the 143rd largest bank in the state of Wisconsin. It is also the 3,739th largest bank in the nation. It was established in 1921 and as of December of 2024, it had grown to 14 employees at 2 locations. Headwaters State Bank's money market rates are 7X the national average, and it boasts an A+ health rating.

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Health
A+

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #9035
Year Established1921
Employees14
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.59%
Return on Equity - YTD3.36%
Annual Interest Income$4.8MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$110.3MM$95.5MM
LoansQ4 2024vs Q4 2023$74.1MM$66.4MM
DepositsQ4 2024vs Q4 2023$92.5MM$78.2MM
Equity CapitalQ4 2024vs Q4 2023$17.7MM$17.1MM
Loan Loss AllowanceQ4 2024vs Q4 2023$744K$414K
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$22K$0
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.41%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.45%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Headwaters State Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%*$25k*-Health Savings Account
OTHER TIERS: 0.50% → $0 - $500 | 0.75% → $500 - $10k | 1.26% → $10k - $25k
2.00%$1-Christmas Club Savings
1.00%$50-Passbook Savings Account
1.00%$50-Commercial Savings Account

Headwaters State Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.04%*$200k*-First Addition Money Market Account
OTHER TIERS: 1.26% → $1 - $10k | 1.51% → $10k - $50k | 2.02% → $50k - $100k | 2.53% → $100k - $200k
1.00%$1-Regular Money Market Account

Headwaters State Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$1k-NOW Checking Account

Headwaters State Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.59%$5k-7 Month CD Special
4.28%$5k-14 Month CD Special
3.02%$1k-36 Month CD
3.02%$1k-48 Month CD
3.02%$1k-60 Month CD
2.52%$1k-24 Month CD
1.76%$1k-1 Year CD
1.51%$1k-3 Month CD
1.51%$1k-6 Month CD
1.00%$1k-15 Month CD

Headwaters State Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.02%$1k-36 Month IRA CD
3.02%$1k-48 Month IRA CD
3.02%$1k-60 Month IRA CD
2.52%$1k-24 Month IRA CD
1.76%$1k-1 Year IRA CD
1.51%$1k-3 Month IRA CD
1.51%$1k-6 Month IRA CD
1.00%$1k-15 Month IRA CD
1.00%$50-IRA Savings Account
Locations


Headwaters State Bank Locations
Headwaters State Bank4175 County Highway BLand O Lakes, WI 54540
Presque Isle Branch8319 MainPresque Isle, WI 54557

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