Park Bank, National Association savings, CD and money market rates
Park Bank, National Association advertises 0.46% APY on its Park Bank Savings account. That is 0.09 percentage points above the national savings average of 0.37% (FDIC, Sep 2026).
Ranked #1152 of 2789 tracked savings rates by advertised APY. For a $10,000 balance it would rank #953.
Estimate your earnings·What Park Bank, National Association actually pays
Park Bank, National Association at a glance
| Savings | |
|---|---|
| Top savings APY | 0.46% · Park Bank Savings |
| Minimum to open | not stated · Park Bank Savings |
| Against the national average | 0.09 percentage points above the 0.37% FDIC savings average (Sep 2026) |
| CDs | |
| Top CD APY | 4.26% · 12 months · 1 Year CD |
| Minimum to open | $2,500 · 12 months CD |
| Against the national average | 2.53 percentage points above the 1.73% FDIC 12-month CD average (Sep 2026) |
| Money market | |
| Top money market APY | 2.61% · Insured Money Market Account |
| Minimum to open | not stated · Insured Money Market Account |
| Against the national average | 1.98 percentage points above the 0.63% FDIC money market average (Sep 2026) |
| FDIC certificate | 13054 · Holmen, WI |
|---|---|
| Website | www.parkbank.bank |
| Branches | 3 branches in WI |
| Availability | Available in WI |
Park Bank, National Association savings, CD and money market rates
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.
Park Bank, National Association CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| 3 months | 0.34% | $2,500 | 91 Day CD |
| 6 months | 0.64% | $2,500 | 6 Month CD |
| 12 months | 4.26% | $2,500 | 1 Year CD |
| 18 months | 1.49% | $2,500 | 1 1/2 Year CD |
| 24 months | 1.69% | $2,500 | 2 Year CD |
| 30 months | 1.50% | $2,500 | 2 1/2 Year CD |
| 36 months | 1.60% | $2,500 | 3 Year CD |
| 48 months | 1.75% | $2,500 | 4 Year CD |
Interactive Tool
Calculate Savings for Park Bank, National Association
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$172.40(1.2%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,172.40
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What Park Bank, National 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, Park Bank, National Association paid a higher average rate on savings and money market deposits than 46% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- Park Bank, National 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 |
|---|---|---|---|---|---|---|---|---|
| Park Bank Savings | 0.46% | not stated | $0 | None | $100 minimum average daily balance or quarterly service charge of $3.00., can be waived | not stated | One rate | |
| Fine print: The service charge is $3.00 per quarter rather than per month, and is waived by a $100 minimum average daily balance. Each debit transaction above 18 in a quarterly statement cycle costs $1.00. | ||||||||
| Insured Money Market Account | 2.61% | not stated | $0 | None | not stated | not stated | One rate | |
| Fine print: The $15.00 service charge per statement cycle is waived only by a $2,500 average daily balance. | ||||||||
| Spartan Insured Money Market Account | 2.61% | not stated | $0 | None | not stated | not stated | One rate | |
| Fine print: The account can be opened only at the bank's branch in Sparta, Wisconsin. The $15.00 service charge per statement cycle is waived only by a $2,500 average daily balance. | ||||||||
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 |
|---|---|---|---|---|---|
| 91 Day CD | 3 months | 0.34% | $2,500 | not stated | not stated |
| Fine print: The term is 91 days rather than a whole number of months. | |||||
| 6 Month CD | 6 months | 0.64% | $2,500 | not stated | not stated |
| 1 Year CD | 12 months | 4.26% | $2,500 | not stated | not stated |
| Fine print: The rate for balances of $10,000 or more is a limited-time special offer rather than a standing rate. | |||||
| 1 1/2 Year CD | 18 months | 1.49% | $2,500 | not stated | not stated |
| 2 Year CD | 24 months | 1.69% | $2,500 | not stated | not stated |
| 2 1/2 Year CD | 30 months | 1.50% | $2,500 | not stated | not stated |
| 3 Year CD | 36 months | 1.60% | $2,500 | not stated | not stated |
| 4 Year CD | 48 months | 1.75% | $2,500 | not stated | not stated |
Opening and using the account
| Availability | Available in WI |
|---|---|
| Footprint | 3 branches in WI |
| Eligibility | not stated |
How Park Bank, National Association behaves over time
- 12-month high
- 0.46%
- 12-month low
- 0.26%
- Advertised now
- 0.46%
- At the 12-month high
- Observed cuts, 12 months
- 0
- In a window with 2 Federal Reserve cuts
The advertised Park Bank Savings rate, observed through Oct 9, 2026. The series includes promotional tiers where one applied.
Recent rate changes, as observed
- Obs. Sep 30, 2026Insured Money Market AccountRaise:2.36%to2.61%
- Obs. Sep 30, 2026Spartan Insured Money Market AccountRaise:2.36%to2.61%
- Obs. Sep 2, 2026Insured Money Market AccountRaise:2.13%to2.36%
- Obs. Sep 2, 2026Spartan Insured Money Market AccountRaise:2.13%to2.36%
- Obs. Sep 2, 2026Park Bank SavingsRaise:0.26%to0.46%
- Park Bank Savings
- The same as 30 days ago.
- 12 months CD
- Up 0.25 percentage points from 30 days ago.
- Insured Money Market Account
- Up 0.25 percentage points from 30 days ago.
$10,000 at the 0.46% APY Park Bank, National Association advertises on Park Bank Savings grows to $10,046 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 $9,716 does today. See how the federal funds rate shapes savings rates.
- Park Bank Savings APY
- Banksparency savings index
Park Bank, National Association CD rates over time
Who is Park Bank, National Association?
| Headquarters | Holmen, WI |
|---|---|
| Founded | 1909 |
| Scale | $76M assets · $64M deposits, $46M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 13054 |
| Charter state | Wisconsin · one of 154 insured banks chartered there (Q2 2026, FDIC) |
| Size | 3,850th-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 Park Bank, National Association pays on deposits above.
Common questions about Park Bank, National Association
Is Park Bank, National Association FDIC insured?
Yes. Park Bank, National Association is FDIC insured under certificate 13054, so deposits are covered up to $250,000 per depositor, per ownership category.
Does Park Bank, National Association have branches?
Yes. Park Bank, National Association operates 3 branches according to FDIC branch records, in addition to its website and mobile apps.
Park Bank, National Association against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Park Bank, National Association | 0.46% | 1.36% | not stated | 3 branches in WI |
| Farmers and Merchants State Bank | 0.45% | 0.84% | $50 | 5 branches in IA |
| Kennebec Savings Bank | 0.45% | 1.84% | $100 | 8 branches in ME |
| Legacy Bank | 0.45% | 1.27% | $100 | 10 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 Park Bank, National 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 Park Bank, National Association in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: banks in Wisconsin.