Bank · FDIC insured
Ladysmith Federal Savings Rates
Top CarrotLadysmith Federal’s best savings rate is 1.01% APY on $10,000, with its Money Market Checking. Rates checked October 16, 2026.
How Ladysmith Federal’s savings rates compare
Compared with banks and credit unions in Wisconsin, where Ladysmith Federal has the most branches. $10,000, best rate first.
This bank’s best
Ladysmith Federal
1.01%APY
- Requires
- None
- Minimum
- $500
- Earns on $10,000 a year
- $101
Money Market Checking
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
Ladysmith Federal savings score
86
Savings score
Higher than 74% of U.S. banks and credit unions
- $1,000 balance$1,0000.55%
- $10,000 balance$10,0001.01%
- $100,000 balance$100,0002.12%
- QualifiedQualified1.01%
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 Ladysmith Federal 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.
Money Market Checking
1.01%APY
| Balance | APY | Minimum | Earns on $10,000 a yearEarns |
|---|---|---|---|
| $500 – $10,000$500 to open | 0.55% | $500 | — |
| $10,000 – $50,000$10,000 to open | 1.01% | $10,000 | $101 |
| $50,000 – $100,000$50,000 to open | 1.66% | $50,000 | — |
| $100,000 and up$100,000 to open | 2.12% | $100,000 | — |
Sources (1)
- ladysmithfederal.com/rates.html · captured Oct 16, 2026
Money Market Savings
0.55%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$2 monthly fee if account balance falls below $1,000; 3 free withdrawals per month (additional withdrawals cost $1 each).Any balance | 0.55% | $55 | $2 monthly fee if account balance falls below $1,000; 3 free withdrawals per month (additional withdrawals cost $1 each). |
Sources (2)
All captured Oct 16, 2026
Smart Savings
0.20%APY
Accounts for children 17 and under must be opened in-person. Rates may vary after opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$1 monthly fee if account balance falls below $100; $10 monthly balance to maintain. Unlimited free withdrawals.Any balance | 0.20% | $20 | $1 monthly fee if account balance falls below $100; $10 monthly balance to maintain. Unlimited free withdrawals. |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Christmas Club Savings
2.32%APY
Rates may vary after opening. Full balance is sent via check in mid-October.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFull balance is sent via check in mid-October; no free withdrawals per month. $5 dormancy fee charged if account is dormant for 1 year.Any balance | 2.32% | $232 | Full balance is sent via check in mid-October; no free withdrawals per month. $5 dormancy fee charged if account is dormant for 1 year. |
Sources (2)
All captured Oct 16, 2026
Junior Savers
1.00%APY
For savers who are 18 years old or younger. Accounts for children 17 and under must be opened in-person. Rates may vary after opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFor savers 18 years old or younger. Unlimited free withdrawals. No monthly balance to maintain.Any balance | 1.00% | $100 | For savers 18 years old or younger. Unlimited free withdrawals. No monthly balance to maintain. |
Sources (2)
All captured Oct 16, 2026
Health Savings Account (HSA)
0.60%APY
Designed for qualified medical expenses. Minimum balance to open is $50. Monthly fee of $5 if daily balance drops below $50. Rates may vary after opening.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Up to $500Monthly fee of $5 if daily balance drops below $50. Minimum balance to open stated as $50 in account overview but $0.00 in tier table. · Unknown to open | 0.20% | Unknown | — | Monthly fee of $5 if daily balance drops below $50. Minimum balance to open stated as $50 in account overview but $0.00 in tier table. |
| $500 – $3,000Monthly fee of $5 if daily balance drops below $50. · $500 to open | 0.40% | $500 | — | Monthly fee of $5 if daily balance drops below $50. |
| $3,000 and upMonthly fee of $5 if daily balance drops below $50. · $3,000 to open | 0.60% | $3,000 | $60 | Monthly fee of $5 if daily balance drops below $50. |
Sources (2)
All captured Oct 16, 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.