Paper City Savings Bank, S.A. savings, CD and money market rates
Paper City Savings Bank, S.A. advertises 0.10% APY on its Statement Savings Account. That is 0.27 percentage points below the national savings average of 0.37% (FDIC, Sep 2026).
Ranked #2133 of 2789 tracked savings rates by advertised APY. For a $10,000 balance it would rank #1991. The advertised rate has not changed in the 6 weeks since Banksparency began tracking it, through 1 Federal Reserve rate move.
Estimate your earnings·What Paper City Savings Bank, S.A. actually pays
Paper City Savings Bank, S.A. at a glance
| Savings | |
|---|---|
| Top savings APY | 0.10% · Statement Savings Account |
| Minimum to open | $50 · Statement Savings Account |
| Against the national average | 0.27 percentage points below the 0.37% FDIC savings average (Sep 2026) |
| CDs | |
| Top CD APY | 4.00% · 11 months · 11 Month CD Special |
| Minimum to open | $1,000 · 11 months CD |
| Against the national average | 2.27 percentage points above the 1.73% FDIC 12-month CD average (Sep 2026) |
| Money market | |
| Top money market APY | 3.00% · Premium Money Market Account · needs at least $500,000 |
| Minimum to open | $50,000 · Premium Money Market Account |
| Against the national average | 2.37 percentage points above the 0.63% FDIC money market average (Sep 2026) |
| FDIC certificate | 29676 · Wisconsin Rapids, WI |
|---|---|
| Website | www.pcs.bank |
| Branches | 3 branches in WI |
| Availability | Available in WI |
Paper City Savings Bank, S.A. savings, CD and money market rates
Personal
How the rate applies
How the rate applies
How the rate applies
IRA
Rates are APY. The national savings average is 0.37% (FDIC, Sep 2026). The top tracked savings rate on Banksparency is 5.50%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.65%, and one account in ten advertises 4.16% or more. See the highest savings rates.
Paper City Savings Bank, S.A. CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| 3 months | 0.46% | $2,500 | 91 Day CD |
| 6 months | 0.76% | $2,500 | 6 Month CD |
| 11 months | 4.00% | $1,000 | 11 Month CD Special |
| 12 months | 1.28% | $100 | 12 Month CD |
| 18 months | 1.53% | $100 | 18 Month CD |
| 24 months | 1.79% | $100 | 24 Month CD |
| 36 months | 2.04% | $100 | 36 Month CD |
| IRA CDs | |||
| 11 months | 4.00% | not stated | Traditional IRA - 11 Month Certificate Special |
| 11 months | 4.00% | not stated | Roth IRA - 11 Month Certificate Special |
| 12 months | 1.28% | not stated | Traditional IRA - 12 Month Certificate |
| 12 months | 1.28% | not stated | Roth IRA - 12 Month Certificate |
| 18 months | 1.53% | not stated | Traditional IRA - 18 Month Certificate |
| 24 months | 1.79% | not stated | Traditional IRA - 24 Month Certificate |
| 24 months | 1.79% | not stated | Roth IRA - 24 Month Certificate |
| 36 months | 2.04% | not stated | Traditional IRA - 36 Month Certificate |
| 36 months | 2.04% | not stated | Roth IRA - 36 Month Certificate |
Interactive Tool
Calculate Savings for Paper City Savings Bank, S.A.
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$37.30(0.3%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,037.30
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What Paper City Savings Bank, S.A. 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, Paper City Savings Bank Sa paid a higher average rate on savings and money market deposits than 15% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- Paper City Savings Bank Sa, 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 |
|---|---|---|---|---|---|---|---|---|
| Statement Savings Account | 0.10% | $50 | $0 | None | $2.00 quarterly charge if balance falls below $50.00, can be waived | not stated | One rate | |
| Fine print: The service charge is $2.00 per quarter, and it applies only while the balance is below $50. | ||||||||
| Kid$ Count Savings | 0.10% | $10 | $0 | None | not stated | not stated | One rate | |
| Christmas Club | 0.10% | $10 | $0 | None | not stated | not stated | One rate | |
| Fine print: No withdrawal is allowed before 1 November. On 1 November each year the bank transfers the balance automatically to your checking or savings account. | ||||||||
| Health Savings Account | 0.05% | $0 | $0 | None | not stated | not stated | Tiered | |
| Premium Money Market Account | 3.00% | $50,000 | $50,000 | None | not stated | not stated | Tiered | |
| Money Market Deposit Account | 0.30% | $2,500 | $0 | None | $5.00 service charge if balance falls below $500.00, can be waived | not stated | Tiered | |
| Fine print: A $5.00 service charge applies while the balance is below $500. The bank does not state how often it is charged. | ||||||||
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 | |||||
| 91 Day CD | 3 months | 0.46% | $2,500 | not stated | not stated |
| 6 Month CD | 6 months | 0.76% | $2,500 | not stated | not stated |
| 11 Month CD Special | 11 months | 4.00% | $1,000 | not stated | not stated |
| 12 Month CD | 12 months | 1.28% | $100 | not stated | not stated |
| 18 Month CD | 18 months | 1.53% | $100 | not stated | not stated |
| 24 Month CD | 24 months | 1.79% | $100 | not stated | not stated |
| 36 Month CD | 36 months | 2.04% | $100 | not stated | not stated |
| IRA CDs | |||||
| Traditional IRA - 11 Month Certificate Special | 11 months | 4.00% | not stated | not stated | not stated |
| Roth IRA - 11 Month Certificate Special | 11 months | 4.00% | not stated | not stated | not stated |
| Traditional IRA - 12 Month Certificate | 12 months | 1.28% | not stated | not stated | not stated |
| Roth IRA - 12 Month Certificate | 12 months | 1.28% | not stated | not stated | not stated |
| Traditional IRA - 18 Month Certificate | 18 months | 1.53% | not stated | not stated | not stated |
| Traditional IRA - 24 Month Certificate | 24 months | 1.79% | not stated | not stated | not stated |
| Roth IRA - 24 Month Certificate | 24 months | 1.79% | not stated | not stated | not stated |
| Traditional IRA - 36 Month Certificate | 36 months | 2.04% | not stated | not stated | not stated |
| Roth IRA - 36 Month Certificate | 36 months | 2.04% | not stated | not stated | not stated |
Opening and using the account
| Availability | Available in WI |
|---|---|
| Footprint | 3 branches in WI |
| Eligibility | not stated |
How Paper City Savings Bank, S.A. behaves over time
Every observation of the advertised Statement Savings Account rate in the last 12 months was 0.10% (observed through Oct 7, 2026). The series includes promotional tiers where one applied.
Paper City Savings Bank, S.A. has not changed its advertised savings rate in the 6 weeks since Banksparency began tracking it, through 1 Federal Reserve rate move.
- Statement Savings Account
- The same as 30 days ago.
- 11 months CD
- The same as 30 days ago.
- Premium Money Market Account
- The same as 30 days ago.
- Rate last changed
- Aug 17, 2026(effective date)
$10,000 at the 0.10% APY Paper City Savings Bank, S.A. advertises on Statement Savings Account grows to $10,010 in a year. Prices rose 3.4% in the year to August 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,681 does today. See how the federal funds rate shapes savings rates.
Paper City Savings Bank, S.A. CD rates over time
Who is Paper City Savings Bank, S.A.?
| Headquarters | Wisconsin Rapids, WI |
|---|---|
| Founded | 1933 |
| Scale | $208M assets · $170M deposits, $147M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 29676 |
| Charter state | Wisconsin · one of 154 insured banks chartered there (Q2 2026, FDIC) |
| Size | 2,969th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 20% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What Paper City Savings Bank, S.A. pays on deposits above.
Common questions about Paper City Savings Bank, S.A.
Is Paper City Savings Bank, S.A. FDIC insured?
Yes. Paper City Savings Bank, S.A. is FDIC insured under certificate 29676, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at Paper City Savings Bank, S.A.?
Paper City Savings Bank, S.A. requires a minimum deposit of $50 to open its Statement Savings Account, as observed on Oct 7, 2026. Check the bank's current terms before you open an account.
Does Paper City Savings Bank, S.A. have branches?
Yes. Paper City Savings Bank, S.A. operates 3 branches according to FDIC branch records, in addition to its website and mobile apps.
Paper City Savings Bank, S.A. against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Paper City Savings Bank, S.A. | 0.10% | 0.52% | $50 | 3 branches in WI |
| Alliance Bank | 0.10% | 1.33% | $300 | 7 branches in IN |
| Andover State Bank | 0.10% | 2.23% | not stated | 2 branches in KS |
| Argentine Federal Savings | 0.10% | 1.99% | $50 | 2 branches in KS |
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 Paper City Savings Bank, S.A.'s.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Wisconsin, nearest to Paper City Savings Bank, S.A. in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: banks in Wisconsin.