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Here’s How We Rate

Are you on the hunt for the best savings account rates, best money market rates, best IRA rates or best loan rates? We update our rates weekly and work on keeping our rates competitive to help your money work harder for you.

Mortgage Loan Rates

Mortgage Options

Comparison table of Mortgage Options.
Product Interest Rate APR* Learn More
30 Year Fixed Rate 3.750% 3.821% Learn More

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $180,000 and an estimated property value of $225,000. The property is located in WI and is within Ozaukee county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 740.

At a 3.750% interest rate, the APR for this loan type is 3.821%. The monthly payment schedule would be:

  • 359 payments of $833.61 at an interest rate of 3.750%
  • 1 payment of $832.85 at an interest rate of 3.750%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

20 Year Fixed Rate 3.625% 3.724% Learn More

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $180,000 and an estimated property value of $225,000. The property is located in WI and is within Ozaukee county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 740.

At a 3.625% interest rate, the APR for this loan type is 3.724%. The monthly payment schedule would be:

  • 239 payments of $1,055.53 at an interest rate of 3.625%
  • 1 payment of $1,054.73 at an interest rate of 3.625%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

15 Year Fixed Rate 3.125% 3.178% Learn More

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $180,000 and an estimated property value of $225,000. The property is located in WI and is within Ozaukee county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 740.

At a 3.125% interest rate, the APR for this loan type is 3.178%. The monthly payment schedule would be:

  • 179 payments of $1,253.90 at an interest rate of 3.125%
  • 1 payment of $1,253.36 at an interest rate of 3.125%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

10 Year Fixed Rate 3.125% 3.201% Learn More

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $180,000 and an estimated property value of $225,000. The property is located in WI and is within Ozaukee county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 740.

At a 3.125% interest rate, the APR for this loan type is 3.201%. The monthly payment schedule would be:

  • 119 payments of $1,748.50 at an interest rate of 3.125%
  • 1 payment of $1,748.31 at an interest rate of 3.125%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

WHEDA Advantage 4.000% 4.048% Learn More

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $180,000 and an estimated property value of $225,000. The property is located in WI and is within Ozaukee county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 740.

At a 4.000% interest rate, the APR for this loan type is 4.048%. The monthly payment schedule would be:

  • 359 payments of $859.35 at an interest rate of 4.000%
  • 1 payment of $858.45 at an interest rate of 4.000%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

WHEDA Advantage Risk Sharing 4.875% 4.926% Learn More

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $180,000 and an estimated property value of $225,000. The property is located in WI and is within Ozaukee county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 740.

At a 4.875% interest rate, the APR for this loan type is 4.926%. The monthly payment schedule would be:

  • 359 payments of $952.57 at an interest rate of 4.875%
  • 1 payment of $954.27 at an interest rate of 4.875%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

3/1 Adjustable Rate Mortgage 4.500% 4.636% Learn More

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $180,000 and an estimated property value of $225,000. The property is located in WI and is within Ozaukee county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 740.

At a 4.500% initial interest rate, the APR for this loan type is 4.636%, subject to increase. Based on current market conditions, the monthly payment schedule would be:

  • 36 payments of $912.03 at an interest rate of 4.500%
  • 323 payments of $924.43 at an interest rate of 4.625%
  • 1 payment of $925.02 at an interest rate of 4.625%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

5/1 Adjustable Rate Mortgage 5.000% 4.807% Learn More

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $180,000 and an estimated property value of $225,000. The property is located in WI and is within Ozaukee county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 740.

At a 5.000% initial interest rate, the APR for this loan type is 4.807%, subject to increase. Based on current market conditions, the monthly payment schedule would be:

  • 60 payments of $966.28 at an interest rate of 5.000%
  • 299 payments of $930.51 at an interest rate of 4.625%
  • 1 payment of $930.97 at an interest rate of 4.625%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

Construction Interest-Only 3.250% 3.839% Learn More

The information provided assumes the purpose of the loan is to build a new home, with a loan amount of $340,000 and an estimated property value of $400,000. The property is located in WI and is within Ozaukee county. The property is a new single family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 740.

At a 3.250% interest rate, the APR for this loan type is 3.839%. The monthly payment schedule would be:

  • One payment of principal of $340,000 at the end of the 12 months. Interest on the amount of credit outstanding will be paid monthly.

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

Vacant Land - 1 year ARM 4.250% 4.672% Learn More

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $85,000 and an estimated property value of $100,000. The property is located in WI and is within Ozaukee county. The property is and will be used as . The rate lock period is 60 days and the assumed credit score is 740.

At a 4.250% initial interest rate, the APR for this loan type is 4.672%, subject to increase. Based on current market conditions, the monthly payment schedule would be:

  • 12 payments of $526.35 at an interest rate of 4.250%
  • 227 payments of $542.77 at an interest rate of 4.625%
  • 1 payment of $543.82 at an interest rate of 4.625%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

Vacant Land - 3 year ARM 5.000% 4.837% Learn More

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $85,000 and an estimated property value of $100,000. The property is located in WI and is within Ozaukee county. The property is and will be used as . The rate lock period is 60 days and the assumed credit score is 740.

At a 5.000% initial interest rate, the APR for this loan type is 4.837%, subject to increase. Based on current market conditions, the monthly payment schedule would be:

  • 36 payments of $560.96 at an interest rate of 5.000%
  • 203 payments of $545.68 at an interest rate of 4.625%
  • 1 payment of $544.92 at an interest rate of 4.625%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

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Deposit Rates

Certificate of Deposit Special Offers 1

Comparison table of Certificate of Deposit Special Offers 1.
Product/Term Minimum Balance to Open Minimum Balance to Receive APY* Simple Interest Rate APY*
9-Month CD $2,500 $2,500.00 2.000% 2.020%
18-Month CD $2,500 $2,500.00 1.850% 1.870%
30-Month CD $2,500 $2,500.00 1.750% 1.760%

Certificates of Deposit 1

Comparison table of Certificates of Deposit 1.
Product/Term Minimum Balance to Open Minimum Balance to Receive APY* Simple Interest Rate APY*
90 Days $1,000 $1,000.00 0.270% 0.270%
182 Days $1,000 $1,000.00 0.470% 0.470%
1 Year
$1,000.00 – $9,999.99
$1,000 $1,000.00 0.520% 0.520%
1 Year
$10,000.00+
$1,000 $10,000.00 0.620% 0.620%
2 Year
$1,000.00 – $9,999.99
$1,000 $1,000.00 0.640% 0.640%
2 Year
$10,000.00+
$1,000 $10,000.00 0.740% 0.740%
3 Year
$1,000.00 – $9,999.99
$1,000 $1,000.00 0.910% 0.910%
3 Year
$10,000.00+
$1,000 $10,000.00 1.010% 1.010%
4 Year
$1,000.00 – $9,999.99
$1,000 $1,000.00 1.100% 1.110%
4 Year
$10,000.00+
$1,000 $10,000.00 1.200% 1.210%
5 Year
$1,000.00 – $9,999.99
$1,000 $1,000.00 1.400% 1.410%
5 Year
$10,000.00+
$1,000 $10,000.00 1.500% 1.510%

Individual Retirement Account Special Offers 1

Comparison table of Individual Retirement Account Special Offers 1.
Product/Term Minimum Balance to Open Minimum Balance to Receive APY* Simple Interest Rate APY*
2-Year Fixed Special $1 $1.00 2.000% 2.020%

Individual Retirement Accounts 1

Comparison table of Individual Retirement Accounts 1.
Product/Term Minimum Balance to Open Minimum Balance to Receive APY* Simple Interest Rate APY*
1 Year $1 $1.00 0.520% 0.520%
2 Year $1 $1.00 0.640% 0.640%
3 Year $1 $1.00 0.710% 0.710%
4 Year $1 $1.00 0.910% 0.910%
5 Year $1 $1.00 1.590% 1.600%

Money Market Accounts 2

Comparison table of Money Market Accounts 2.
Product/Term Minimum Balance to Open Minimum Balance to Receive APY* Simple Interest Rate APY*
Money Market $1,000 $1,000.00 0.100% 0.100%
Premium Money Market $10,000 $10,000.00 0.400% 0.400%

Health Savings Accounts (HSA) 3

Comparison table of Health Savings Accounts (HSA) 3.
Product/Term Minimum Balance to Open Minimum Balance to Receive APY* Simple Interest Rate APY*
HSA, $0.01 – $499.99 min. balance $25 $0.00 0.120% 0.120%
HSA,$500.00 – $4,999.99 min. balance $25 $500.00 0.220% 0.220%
HSA, $5,000.00 – $14,999.99 min. balance $25 $5,000.00 0.320% 0.320%
HSA,$15,000.00 + min. balance $25 $15,000.00 0.420% 0.420%

Savings Accounts 3

Comparison table of Savings Accounts 3.
Product/Term Minimum Balance to Open Minimum Balance to Receive APY* Simple Interest Rate APY*
Regular Savings $1 $1.00 0.040% 0.040%
Youth Savings $1 $1.00 0.040% 0.040%
Holiday Savings $25 $10.00 0.040% 0.040%

Checking Accounts 3

Comparison table of Checking Accounts 3.
Product/Term Minimum Balance to Open Minimum Balance to Receive APY* Simple Interest Rate APY*
AdvantEdge Checking® Plus Interest
$0.01 – $2,500.99
$25 $0.00 0.020% 0.020%
AdvantEdge Checking® Plus Interest
$2,501.00 – $5,000.99
$25 $2,501.00 0.020% 0.020%
AdvantEdge Checking® Plus Interest
$5,001.00 – $10,000.99
$25 $5,001.00 0.020% 0.020%
AdvantEdge Checking® Plus Interest
$10,001.00 – $25,000.99
$25 $10,001.00 0.020% 0.020%
AdvantEdge Checking® Plus Interest
$25,001.00+
$25 $25,001.00 0.020% 0.020%
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