Bank · FDIC insured
Independence State Bank Savings Rates
A $84.2M bank headquartered in Independence, WI, with 3 branches in Wisconsin.
How Independence State Bank’s savings rates compare
Compared with banks and credit unions in Wisconsin, where Independence State Bank has the most branches. $10,000, best rate first.
This bank’s best
Independence State Bank
5.30%APY
- Requires
- Conditions apply
- Minimum
- $0
- Earns on $10,000 a year
- $530
Christmas Club
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
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
Christmas Club
5.30%APY
Accounts may be opened on or after November 1, 2025. Upon opening the account, paid rate until maturity of October 31, 2026. Account will not renew at maturity. Maximum deposit of $500 per month. One personal account per tax identification number. Early withdrawals not permitted. Interest credited at maturity (does not compound).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balancePaid this rate until maturity of October 31, 2026 for accounts opened on or after November 1, 2025. Maximum deposit of $500.00 per month. Interest credited at maturity (does not compound). Early withdrawals are not permitted. One personal account per tax identification number.Any balance | 5.30% | $530 | Paid this rate until maturity of October 31, 2026 for accounts opened on or after November 1, 2025. Maximum deposit of $500.00 per month. Interest credited at maturity (does not compound). Early withdrawals are not permitted. One personal account per tax identification number. |
Sources (1)
- independencestatebank.com/pers…ings/christmas-club.html · captured Sep 18, 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.