Headwaters State Bank

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

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

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

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

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 143^rd largest bank in the state of Wisconsin. It is also the 3,714^th 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 Established	1921
Employees	15
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.92%
Return on Equity - YTD	5.69%
Annual Interest Income	$1.4MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$111.3MM$93.3MM
Loans	Q1 2025vs Q1 2024	$73.8MM$65.3MM
Deposits	Q1 2025vs Q1 2024	$93.1MM$76.2MM
Equity Capital	Q1 2025vs Q1 2024	$18MM$17.1MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$764K$766K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$0$0
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

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

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

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

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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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%	$1k	-	NOW Checking Account

Headwaters State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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 Bank	4175 County Highway B	Land O Lakes, WI 54540
Presque Isle Branch	8319 Main	Presque Isle, WI 54557

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