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Headwaters State Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.80%
Our Rating
4.2  / 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 7/1/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
4.44%
Our Rating
4.3  / 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
Bonus Amount
up to $300
Our Rating
4.2  / 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 3,714th largest bank in the nation. It was established in 1921 and as of March of 2025, it had grown to 15 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 Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #9035
Year Established1921
Employees15
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.92%
Return on Equity - YTD5.69%
Annual Interest Income$1.4MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$111.3MM$93.3MM
LoansQ1 2025vs Q1 2024$73.8MM$65.3MM
DepositsQ1 2025vs Q1 2024$93.1MM$76.2MM
Equity CapitalQ1 2025vs Q1 2024$18MM$17.1MM
Loan Loss AllowanceQ1 2025vs Q1 2024$764K$766K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$0$0
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.80%
Our Rating
4.2  / 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 7/1/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
4.44%
Our Rating
4.3  / 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
Bonus Amount
up to $300
Our Rating
4.2  / 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
4.44%$5k-7 Month CD Special
4.14%$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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