Ladysmith Federal Savings and Loan Association savings, CD and money market rates
Ladysmith Federal Savings and Loan Association's Smart Savings lists 0.20% APY. That is 0.18 percentage points below the national savings average of 0.38% (FDIC, Oct 2026).
Ranked #1900 of 3146 tracked savings rates by advertised APY. For a $10,000 balance it would rank #1682.
Estimate your earnings·What Ladysmith Federal Savings and Loan Association actually pays
Ladysmith Federal Savings and Loan Association at a glance
| Savings | |
|---|---|
| Top savings APY | 0.20% · Smart Savings |
| Minimum to open | $10 · Smart Savings |
| Against the national average | 0.18 percentage points below the 0.38% FDIC savings average (Oct 2026) |
| CDs | |
| Top CD APY | 4.25% · 6 months · 6 Month CD |
| Minimum to open | $1,000 · 6 months CD |
| Against the national average | 2.86 percentage points above the 1.39% FDIC 6-month CD average (Oct 2026) |
| Money market | |
| Top money market APY | Up to 2.12% · Money Market Checking · needs at least $100,000 |
| Minimum to open | $500 · Money Market Checking |
| Against the national average | 1.49 percentage points above the 0.63% FDIC money market average (Oct 2026) |
| FDIC certificate | 28983 · Ladysmith, WI |
|---|---|
| Website | www.ladysmithfederal.com |
| Branches | 1 branch in WI |
| Availability | Available in WI |
Ladysmith Federal Savings and Loan Association savings, CD and money market rates
Personal
How the rate applies
How the rate applies
IRA
Rates are annual percentage yields (APY). A variable rate may change after the account is opened. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal.
The national savings average is 0.38% (FDIC, Oct 2026). The top tracked savings rate on Banksparency is 12.00%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.66%, and one account in ten advertises 4.20% or more. See the highest savings rates.
Ladysmith Federal Savings and Loan Association CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| 3 months | 0.60% | $1,000 | 3 Month CD |
| 6 months | 4.25% | $1,000 | 6 Month CD |
| 12 months | 4.25% | $1,000 | 1 Year CD |
| 24 months | 4.00% | $1,000 | 2 Year CD |
| 36 months | 2.47% | $1,000 | 3 Year CD |
| 60 months | 2.47% | $1,000 | 5 Year CD |
| IRA CDs | |||
| 3 months | 0.85% | $0 | 3 Month IRA |
| 6 months | 4.11% | $0 | 6 Month IRA |
| 12 months | 3.95% | $0 | 1 Year IRA |
| 24 months | 2.67% | $0 | 2 Year IRA |
| 36 months | 2.72% | $0 | 3 Year IRA |
| 60 months | 2.72% | $0 | 5 Year IRA |
Interactive Tool
Calculate Savings for Ladysmith Federal Savings and Loan Association
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$890.10(6.0%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,890.10
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What Ladysmith Federal Savings and Loan Association pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined.
In Q2 2026, Ladysmith Federal Savings and Loan Association paid a higher average rate on savings and money market deposits than 13% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- Ladysmith Federal Savings and Loan Association, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Christmas Club Savings | 2.32% | $0 | $0 | None | not stated | not stated | One rate | |
| Fine print: No withdrawals are allowed. The full balance is paid out by check in mid-October. A $5 dormancy fee applies if the account is dormant for one year. | ||||||||
| Junior Savers | 1.00% | $0 | $0 | None | not stated | not stated | One rate | |
| Health Savings Account | 0.60% | $50 | $0 | None | $5 monthly if the daily balance drops below $50, can be waived | not stated | Tiered | |
| Smart Savings | 0.20% | $10 | $0 | None | $1 monthly if the account balance falls below $100, can be waived | not stated | One rate | |
| Fine print: The opening minimum is $10. A monthly fee applies in any month the balance falls below $100. | ||||||||
| Money Market Checking | Up to 2.12% | $500 | $500 | None | $25 monthly if the account balance falls below $500, can be waived | not stated | Tiered | |
| Fine print: The first six withdrawals each month are free. Each additional withdrawal costs $10. | ||||||||
| Money Market Savings | 0.55% | $1,000 | $0 | None | $2 monthly if the account balance falls below $1,000, can be waived | not stated | One rate | |
| Fine print: Three withdrawals each month are free. Each additional withdrawal costs $1. | ||||||||
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| Personal CDs | |||||
| 3 Month CD | 3 months | 0.60% | $1,000 | not stated | not stated |
| 6 Month CD | 6 months | 4.25% | $1,000 | not stated | not stated |
| 1 Year CD | 12 months | 4.25% | $1,000 | not stated | not stated |
| 2 Year CD | 24 months | 4.00% | $1,000 | not stated | not stated |
| 3 Year CD | 36 months | 2.47% | $1,000 | not stated | not stated |
| 5 Year CD | 60 months | 2.47% | $1,000 | not stated | not stated |
| IRA CDs | |||||
| 3 Month IRA | 3 months | 0.85% | $0 | not stated | not stated |
| 6 Month IRA | 6 months | 4.11% | $0 | not stated | not stated |
| 1 Year IRA | 12 months | 3.95% | $0 | not stated | not stated |
| 2 Year IRA | 24 months | 2.67% | $0 | not stated | not stated |
| 3 Year IRA | 36 months | 2.72% | $0 | not stated | not stated |
| 5 Year IRA | 60 months | 2.72% | $0 | not stated | not stated |
Fine print for 6 CDs above: At account opening the depositor chooses one of three options: a one-time rate increase, one penalty-free withdrawal of up to half the principal, or the right to add up to double the original balance. A rate increase or an added deposit extends the term.
Fine print for 6 CDs above: This account must be opened in person at a branch.
Opening and using the account
| Availability | Available in WI |
|---|---|
| Footprint | 1 branch in WI |
| Eligibility | not stated |
How Ladysmith Federal Savings and Loan Association behaves over time
Every observation of the advertised Smart Savings rate in the last 12 months was 0.20% (observed through Nov 2, 2026). The series includes promotional tiers where one applied.
Recent rate changes, as observed
- Obs. Oct 29, 20261 Year CDRaise:3.70%to4.25%
- Obs. Oct 29, 20262 Year CDRaise:2.42%to4.00%
- Obs. Oct 28, 20266 Month CDRaise:3.86%to4.25%
- Smart Savings
- The same as 30 days ago.
- 6 months CD
- Up 0.39 percentage points from 7 days ago.
$10,000 at the 0.20% APY Ladysmith Federal Savings and Loan Association advertises on Smart Savings grows to $10,020 in a year. Prices rose 3.7% in the year to September 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,659 does today. See how the federal funds rate shapes savings rates.
Ladysmith Federal Savings and Loan Association CD rates over time
Who is Ladysmith Federal Savings and Loan Association?
| Headquarters | Ladysmith, WI |
|---|---|
| Founded | 1934 |
| Scale | $93M assets · $72M deposits, $61M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 28983 |
| Charter state | Wisconsin · one of 154 insured banks chartered there (Q2 2026, FDIC) |
| Size | 3,767th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 63% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What Ladysmith Federal Savings and Loan Association pays on deposits above.
Common questions about Ladysmith Federal Savings and Loan Association
Is Ladysmith Federal Savings and Loan Association FDIC insured?
Yes. Ladysmith Federal Savings and Loan Association is FDIC insured under certificate 28983, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at Ladysmith Federal Savings and Loan Association?
Ladysmith Federal Savings and Loan Association requires a minimum deposit of $10 to open its Smart Savings account, as observed on Nov 2, 2026. Check the bank's current terms before you open an account.
Does Ladysmith Federal Savings and Loan Association have branches?
Yes. Ladysmith Federal Savings and Loan Association operates 1 branch according to FDIC branch records, in addition to its website and mobile apps.
Ladysmith Federal Savings and Loan Association against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Ladysmith Federal Savings and Loan Association | 0.20% | 0.47% | $10 | 1 branch in WI |
| Aroostook County Federal Savings and Loan Association | 0.20% | 1.92% | $5 | 2 branches in ME |
| Bank Forward | 0.20% | 3.74% | $200 | 12 branches in MN, ND |
| Bank of Prairie du Sac | 0.20% | 2.46% | $100 | 2 branches in WI |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to Ladysmith Federal Savings and Loan Association's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Wisconsin, nearest to Ladysmith Federal Savings and Loan Association in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: savings rates in Wisconsin, CD rates in Wisconsin, money market rates in Wisconsin, and banks in Wisconsin.