Bank · FDIC insured
Headwaters State Bank Savings Rates
Top CarrotHeadwaters State Bank’s best savings rate is 1.51% APY on $10,000, with its First Addition Money Market. Rates checked October 16, 2026.
How Headwaters State Bank’s savings rates compare
Compared with banks and credit unions in Wisconsin, where Headwaters State Bank has the most branches. $10,000, best rate first.
This bank’s best
Headwaters State Bank
1.51%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $151
First Addition Money Market
Top rate
Marshfield Medical Center Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $5
- Earns on $10,000 a year
- $500
2nd-highest rate
Flagstar Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Headwaters State Bank savings score
88
Savings score
Higher than 85% of U.S. banks and credit unions
- $1,000 balance$1,0001.00%
- $10,000 balance$10,0001.51%
- $100,000 balance$100,0002.27%
- QualifiedQualified1.51%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Headwaters State Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
First Addition Money Market
Up to 1.51%APY
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $1 and upBase tier. · $10,000 to open | 1.26% | $10,000 | $126 | Base tier. |
| $10,000 and upTier 2 ($10,000 minimum balance). · Unknown to open | 1.51% | Unknown | $151 | Tier 2 ($10,000 minimum balance). |
| $50,000 and upTier 3 ($50,000 minimum balance). · Unknown to open | 1.76% | Unknown | — | Tier 3 ($50,000 minimum balance). |
| $100,000 and upTier 4 ($100,000 minimum balance). · Unknown to open | 2.27% | Unknown | — | Tier 4 ($100,000 minimum balance). |
| $200,000 and upTier 5 ($200,000 minimum balance). · Unknown to open | 3.04% | Unknown | — | Tier 5 ($200,000 minimum balance). |
Sources (1)
- headwatersstatebank.com/personal/deposit-rates · captured Oct 5, 2026
Regular Money Market
1.00%APY
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $1 and upBase tier. · $2,500 to open | 1.00% | $2,500 | $100 | Base tier. |
| $2,500 and upTier 2 ($2,500 minimum balance). · Unknown to open | 1.00% | Unknown | $100 | Tier 2 ($2,500 minimum balance). |
Sources (1)
- headwatersstatebank.com/personal/deposit-rates · captured Oct 5, 2026
Passbook Savings
1.00%APY
No monthly service charge. Account earns no interest if balance falls below the $50.00 minimum requirement. Minimum balance to maintain account is $1.00 or the account may be closed. Quarterly compounding and crediting of interest. Rate and APY may change after account opening. Fees could reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum balance to obtain APY is based on daily balance.$50 and up | 1.00% | $100 | Minimum balance to obtain APY is based on daily balance. |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Health Savings Accounts (HSA)
1.26%APY
Requires a high-deductible health plan (HDHP). No monthly service charges. Minimum balance to open is $1.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Applies to account balances up to $499.99. | 0.50% | — | Applies to account balances up to $499.99. |
| $500 – $10,000Applies to account balances between $500.00 and $9,999.99. | 0.75% | — | Applies to account balances between $500.00 and $9,999.99. |
| $10,000 – $25,000Applies to account balances between $10,000.00 and $24,999.99. | 1.26% | $126 | Applies to account balances between $10,000.00 and $24,999.99. |
| Over $25,000Applies to account balances over $25,000.00. | 2.02% | — | Applies to account balances over $25,000.00. |
Sources (2)
All captured Oct 5, 2026
Christmas Club Savings
2.00%APY
Open only between November 1 and March 31. Early withdrawals are prohibited. Mandatory distribution occurs on the third Friday of October. Maximum annual deposits $3,000.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 2.00% | $200 |
Sources (2)
All captured Oct 5, 2026
IRA Savings Account
1.00%APY
The interest rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account. Plans include Traditional, Roth, SEP-IRA, and SIMPLE IRA.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum balance to obtain APY is based on daily balance (amount of principal in the account each day).$50 and up | 1.00% | $100 | Minimum balance to obtain APY is based on daily balance (amount of principal in the account each day). |
Sources (2)
All captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.