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Waldo State Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
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
APY APY = Annual Percentage Yield Rates as of 6/30/2025
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
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
www.waldostatebank.com
920-528-8385
119 N Depot St
Waldo, WI 53093

Waldo State Bank is headquartered in WALDO and is the 130th largest bank in the state of Wisconsin. It is also the 3,377th largest bank in the nation. It was established in 1913 and as of March of 2025, it had grown to 23 employees at 1 location. Waldo State Bank's money market rates are 8X the national average, and it has 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 #8700
Year Established1913
Employees23
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.97%
Return on Equity - YTD10.66%
Annual Interest Income$2.2MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$152.6MM$127.1MM
LoansQ1 2025vs Q1 2024$122.7MM$100.1MM
DepositsQ1 2025vs Q1 2024$123.5MM$99.5MM
Equity CapitalQ1 2025vs Q1 2024$13.7MM$12.4MM
Loan Loss AllowanceQ1 2025vs Q1 2024$1MM$978K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$747K$221K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
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
APY APY = Annual Percentage Yield Rates as of 6/30/2025
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
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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Always verify rates and promotions with the bank or credit union. We are not Waldo State Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Waldo State Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.52%$0$7.5kChristmas Club
2.02%$0-Vacation Club
0.75%*$25k*-HSA
OTHER TIERS: 0.25% → $0 - $1k | 0.35% → $1k - $2.5k | 0.45% → $2.5k - $5k | 0.55% → $5k - $10k | 0.65% → $10k - $25k
0.10%$50-Savings Accounts
0.10%$50-Business Savings

Waldo State Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.30%*$200k*-Money Market
OTHER TIERS: 0.75% → $0 - $25k | 1.25% → $25k - $50k | 1.76% → $50k - $100k | 2.27% → $100k - $200k

Waldo State Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$0-NOW Checking
0.10%$0-Business Interest Bearing Checking

Waldo State Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.80%$1k-91 Days
3.80%$1k-182 Days
3.80%$1k-9 Month CD
3.80%$1k-12 Month CD
3.80%$1k-24 Month CD
3.80%$1k-30 Month CD
3.80%$1k-48 Month CD
3.80%$1k-60 Month CD
3.80%$1k$100k18 Month Add-On CD
3.80%$1k$100k36 Month Add-On CD
3.80%$500-60 Month Scholastic Add On CD
3.80%$1k-Business 91 Days
3.80%$1k-Business 182 Days
3.80%$1k-Business 12 Month CD
3.80%$1k$100kBusiness 18 Month Add-On CD
3.80%$1k-Business 24 Month CD
3.80%$1k-Business 30 Month CD
3.80%$1k$100kBusiness 36 Month Add-On CD
3.80%$1k-Business 48 Month CD
3.80%$1k-Business 60 Month CD
3.80%$1k-Business 9 Month CD

Waldo State Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.80%$250-182 Day IRA
3.80%$250-12 Month IRA
3.80%$250-24 Month IRA
3.80%$250-30 Month IRA
3.80%$250-48 Month IRA
3.80%$250-60 Month IRA
3.80%$250$100k18 Month IRA Add-On
3.80%$250$100k36 Month IRA Add-On
Locations


Waldo State Bank Locations
Waldo State Bank119 Depot StWaldo, WI 53093

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