Bank · FDIC insured
Woodford State Bank Savings Rates
Woodford State Bank’s best savings rate is 0.40% APY on $10,000, with its Personal Money Market. Rates checked October 16, 2026.
How Woodford State Bank’s savings rates compare
Compared with banks and credit unions near Madison, WI, where Woodford State Bank has the most branches. $10,000, best rate first.
This bank’s best
Woodford State Bank
0.40%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $40
Personal Money Market
Top rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Associated Bank
3.20%APY
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000 a year
- $320
Woodford State Bank savings score
76
Savings score
Higher than 41% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0001.26%
- QualifiedQualified0.40%
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 Woodford 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.
Platinum Money Market
0.10%APY
Interest compounded and credited monthly. Monthly service charge waived with a minimum balance of $50,000.00. Unlimited transfers and withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Minimum balance to avoid $50.00 monthly service charge is $50,000.00. Minimum to earn APY is $0.01. Rates subject to change monthly. | 0.10% | $10 | Minimum balance to avoid $50.00 monthly service charge is $50,000.00. Minimum to earn APY is $0.01. Rates subject to change monthly. |
| $50,000 – $250,000Minimum balance to avoid $50.00 monthly service charge is $50,000.00. Minimum to earn APY is $0.01. Rates subject to change monthly. | 1.26% | — | Minimum balance to avoid $50.00 monthly service charge is $50,000.00. Minimum to earn APY is $0.01. Rates subject to change monthly. |
| $250,000 and upMinimum balance to avoid $50.00 monthly service charge is $50,000.00. Minimum to earn APY is $0.01. Rates subject to change monthly. | 2.53% | — | Minimum balance to avoid $50.00 monthly service charge is $50,000.00. Minimum to earn APY is $0.01. Rates subject to change monthly. |
Sources (2)
All captured Oct 5, 2026
Personal Money Market
0.40%APY
Interest compounded and credited monthly. Monthly service charge waived with a minimum balance of $2,500.00. Unlimited transfers and withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Minimum balance to avoid $10.00 monthly service charge is $2,500.00. Minimum to earn APY is $0.01. Rates subject to change monthly. | 0.40% | $40 | Minimum balance to avoid $10.00 monthly service charge is $2,500.00. Minimum to earn APY is $0.01. Rates subject to change monthly. |
| $25,000 – $100,000Minimum balance to avoid $10.00 monthly service charge is $2,500.00. Minimum to earn APY is $0.01. Rates subject to change monthly. | 1.00% | — | Minimum balance to avoid $10.00 monthly service charge is $2,500.00. Minimum to earn APY is $0.01. Rates subject to change monthly. |
| $100,000 and upMinimum balance to avoid $10.00 monthly service charge is $2,500.00. Minimum to earn APY is $0.01. Rates subject to change monthly. | 1.26% | — | Minimum balance to avoid $10.00 monthly service charge is $2,500.00. Minimum to earn APY is $0.01. Rates subject to change monthly. |
Sources (2)
All captured Oct 5, 2026
Savings Account
0.10%APY
Fall-below fee of $1.00 if balance falls below $25.00 (waived for customers under age 18). $3.00 monthly paper statement fee (waived for ages 55+ or with e-statements). Interest compounded and credited monthly. Unlimited transfers and withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.10% | $10 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Health Savings Account
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.05% | — |
| $10,000 and up | 0.10% | $10 |
Sources (1)
- woodfordstatebank.com/deposit-rates.html · 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.