Kasasa Cash

Balance Minimum Opening Deposit Rate APY
Balance
0- $15,000
Minimum Opening Deposit
$50
Rate
4.889%
APY
5.00%
Balance
$15,000+
Minimum Opening Deposit
$50
Rate
0.499%
APY
5.00% to 0.50%
Balance
All balances is qualifications not met
Minimum Opening Deposit
$50
Rate
0.05%
APY
0.05%

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Fees may reduce earnings. Rates subject to change.

Qualifications

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Qualification Cycle:

  • At least 12 debit card purchases
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

That’s it. Even if you don’t meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you’ll still earn our base interest rate. And you can get right back to earning your full rewards the very next month!

FVSBank Relationship Checking

Account Rate APY
Account
FVSBank Relationship Checking
Rate
0.05%
APY
0.05%

APY = Annual Percentage Yield. Fees may reduce earnings. Rates are subject to change. Rates effective July 2023.

Kasasa Saver

Balance Minimum Opening Deposit Rate APY
Balance
0 - $5000
Minimum Opening Deposit
$0
Rate
0.499%
APY
0.50%
Balance
$5,000+
Minimum Opening Deposit
$0
Rate
0.499%
APY
0.50%
Balance
All balances if qualifications not met
Minimum Opening Deposit
$0
Rate
0.05%
APY
0.05%

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Fees may reduce earnings. Rates subject to change.

Qualifications

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Qualification Cycle:

  • At least 12 debit card purchases
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

That’s it. Even if you don’t meet your qualifications during the cycle, your Kasasa accounts are still free. Plus, you’ll still earn our base interest rate on Kasasa Saver®. And you can get right back to earning your full rewards the very next month!

Savings Accounts

Account Minimum Opening Deposit Rate APY Monthly Service Fee
Account
Statement Savings
Minimum Opening Deposit
$100
Rate
0.10%
APY
0.10%
Monthly Service Fee
$1.50
Account
FVSBank 3500 Savings
Minimum Opening Deposit
$3,500
Rate
0.15%
APY
0.15%
Monthly Service Fee
$10
Account
Holiday Club
Minimum Opening Deposit
$25
Rate
0.15%
APY
0.15%
Monthly Service Fee
n/a
Account
Business Savings
Minimum Opening Deposit
$1,000
Rate
0.15%
APY
0.15%
Monthly Service Fee
$10

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Fees may reduce earnings. Rates are subject to change. Rates effective July 2023.

HSA

Balance Rate APY
Balance
$50 - $2,499
Rate
0.20%
APY
0.20%
Balance
$2,500 - $9,999
Rate
0.30%
APY
0.30%
Balance
$10,000 - $24,999
Rate
0.40%
APY
0.40%
Balance
$25,000+
Rate
0.50%
APY
0.50%

Health Savings Account requires $50 to open. Monthly service fee may be imposed if account qualifications are not met (see Truth in Savings disclosure for more details). HSAs are subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see the HSA Agreement for additional information.

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Fees may reduce earnings. Rates are subject to change. Rates are effective July 2023.

Money Market Account

Deposit Range Rate APY
Deposit Range
$500 - $2,499
Rate
0.15%
APY
0.15%
Deposit Range
$2,500 - $9,999
Rate
0.20%
APY
0.20%
Deposit Range
$10,000 - $24,999
Rate
0.40%
APY
0.40%
Deposit Range
$25,000 - $49,999
Rate
1.05%
APY
1.06%
Deposit Range
$50,000 - $99,999
Rate
1.20%
APY
1.21%
Deposit Range
$100,000+
Rate
1.30%
APY
1.31%

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Fees may reduce earnings. Rates are subject to change.

Money Market funds require $2,500 to open and money market regulations apply. If the balance falls below $1,200 a $5.00 monthly service charge applies. Annual percentage yields (APYs) are effective for the month of June 2024. Fox Valley Savings Bank reserves the right to limit new accounts to people residing in its Wisconsin market areas.

Premium Money Market

Deposit Range Rate APY
Deposit Range
$50,000 - $99,999
Rate
2.90%
APY
2.94%
Deposit Range
$100,000 - $249,999
Rate
3.15%
APY
3.20%
Deposit Range
$250,000 & over
Rate
3.40%
APY
3.45%

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Fees may reduce earnings. Rates are subject to change.

Premium Money Market funds require $50,000 to open and money market regulations apply. If the balance falls below $50,000 a $10.00 monthly service charge applies. Annual percentage yields (APYs) are effective as for the month of June 2024. Fox Valley Savings Bank reserves the right to limit new accounts to people residing in its Wisconsin market areas.

Certificates of Deposit

Term Minimum Opening Deposit Rate APY
Term
6 Month
Minimum Opening Deposit
$500
Rate
1.15%
APY
1.15%
Term
7 Month
Minimum Opening Deposit
$5,000
Rate
5.00%
APY
5.05%
Term
11 Month
Minimum Opening Deposit
$5,000
Rate
4.85%
APY
4.86%
Term
1 Year
Minimum Opening Deposit
$500
Rate
2.00%
APY
2.00%
Term
19 Month
Minimum Opening Deposit
$5,000
Rate
4.00%
APY
4.01%
Term
2 Year
Minimum Opening Deposit
$500
Rate
2.10%
APY
2.10%
Term
29 Month
Minimum Opening Deposit
$5,000
Rate
4.00%
APY
4.01%
Term
3 Year
Minimum Opening Deposit
$500
Rate
2.20%
APY
2.20%
Term
4 Year
Minimum Opening Deposit
$500
Rate
2.20%
APY
2.20%

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Fees may reduce earnings. Rates are subject to change.

FVSBank reserves the right to limit new accounts to people residing in its Wisconsin market areas. A penalty for early withdrawal.

Fixed rates are effective as of June 13 – June 19, 2024.

IRA Investment Accounts

Term Minimum Opening Deposit Rate APY
Term
7 Month
Minimum Opening Deposit
$5,000
Rate
5.00%
APY
5.05%
Term
11 Month
Minimum Opening Deposit
$5,000
Rate
4.85%
APY
4.86%
Term
1 Year
Minimum Opening Deposit
$500
Rate
2.00%
APY
2.00%
Term
19 Month
Minimum Opening Deposit
$5,000
Rate
4.00%
APY
4.01%
Term
2 Year
Minimum Opening Deposit
$500
Rate
2.10%
APY
2.10%
Term
29 Month
Minimum Opening Deposit
$5,000
Rate
4.00%
APY
4.01%
Term
3 Year
Minimum Opening Deposit
$500
Rate
2.20%
APY
2.20%
Term
4 Year
Minimum Opening Deposit
$500
Rate
2.20%
APY
2.20%

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Fees may reduce earnings. Rates are subject to change. Fixed rates are effective as of June 13 – June 19, 2024.

IRA Savings

Balance Rate APY
Balance
$50 - $2,499
Rate
0.10%
APY
0.10%
Balance
$2,500 - $9,999
Rate
0.15%
APY
0.15%
Balance
$10,000 - $24,999
Rate
0.35%
APY
0.35%
Balance
$25,000 and Over
Rate
0.70%
APY
0.70%

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Fees may reduce earnings. Rates are subject to change. Effective June 2024.

Mortgage Loans

Type of Home Mortgage Rate APR Payment Example per $1,000 borrowed
Type of Home Mortgage
10 Year Fixed
Rate
6.375%
APR
6.675%
Payment Example per $1,000 borrowed
$11.29
Type of Home Mortgage
15 Year Fixed
Rate
6.375%
APR
6.588%
Payment Example per $1,000 borrowed
$8.64
Type of Home Mortgage
20 Year Fixed
Rate
6.500%
APR
6.672%
Payment Example per $1,000 borrowed
$7.46
Type of Home Mortgage
30 Year Fixed
Rate
6.750%
APR
6.885%
Payment Example per $1,000 borrowed
$6.49

APR = Annual Percentage Rate. Mortgage loan rates are effective for June 18, 2024; subject to change at any time. Rates and fees may vary based on such factors as credit scores, loan-to-value ratio, type of property, and amount of loan. The rates shown are for single-family, owner-occupied properties. Sample payment and rates are based on a loan of $1,000 with a 20% down payment to purchase a primary residence. Estimated payment does not include taxes and insurance. Not all borrowers qualify for all mortgage programs; must meet underwriting guidelines and are subject to credit review and approval. Rates are subject to change at any time.

Home Equity Loans

APR as low as Terms in Months
APR as low as
8.50%
Terms in Months
1 to 36
APR as low as
8.75%
Terms in Months
37 to 60
APR as low as
8.95%
Terms in Months
61 to 120

*APR=Annual Percentage Rate. Rates are subject to change at any time and may vary based on such factors as credit score, loan-to-value ratio, type of property and amount of the loan.

Home Equity Line of Credit (HELOC)

APR as low as Loan to Value
APR as low as
9.25%
Loan to Value
90% or Less
APR as low as
5.95% **. Introductory rate for 12 months from the closing date, then as low as **Prime + 0.75% thereafter (new lines only)
Loan to Value
80% or Less

*APR = Annual Percentage Rate. This Home Equity Line of Credit has a variable rate with a floor of 5.00% and a ceiling of 18.00% APR. Floor is subject to change based on such factors as credit score.   As of March 25, 2024, Prime Rate is 8.50%.  Prime Rate is the advertised rate in the “Money Rates” table in the Wall Street Journal. The Prime Rate is 8.50% + 1.25%; the APR would be 9.75%. The APR range is determined by credit scores. Available to qualified borrowers. Offer subject to change at any time. The yearly maintenance fee of $50 is waived for the first year. The estimated closing costs are as low as $250 plus fees for property evaluation if needed. Fees are due at the time of closing. Limited to 90% maximum loan-to-value ratio. Homeowners Insurance is required. FVSBank is limited to making home equity loans in Wisconsin.

**5.95% rate/APR (annual percentage rate). Introductory rate for 12 months from the closing date, then as low as **Prime + 0.75% thereafter. This Home Equity Line of Credit has a variable rate with a floor of 5.00% and a ceiling of 18.00% APR. Floor is subject to change based on such factors as credit score.   As of March 25, 2024, Prime Rate is 8.50%.  Your APR will change after 12 months from the closing date to anywhere between Prime + 0.75% and Prime + 1.25% and whenever the Prime Rate changes thereafter. Prime Rate is the advertised rate in the “Money Rates” table in the Wall Street Journal. The Prime Rate is 8.50% + 1.25%; the APR would be 9.75%. The APR range is determined by credit scores. Available to qualified borrowers. Offer subject to change at any time. The yearly maintenance fee of $50 is waived for the first year. The estimated closing costs are as low as $250 plus fees for property evaluation if needed. Fees are due at time of closing. Limited to 80% maximum loan-to-value ratio. Homeowners Insurance is required. New home equity lines of credit only.  FVSBank is limited to making home equity loans in Wisconsin.

New Construction Loan

Type Rate/APR
Type
12 Month Note
Rate/APR
6.50%

*APR=Annual Percentage Rate. Rates are subject to change at any time and may vary based on such factors as credit score, loan-to-value ratio, type of property and amount of the loan.

Loan rate applies to new construction loans only. On a $250,000 loan, estimated construction closing costs would be as low as $1,300.00. Interest is due monthly.

New Auto Loans

APR as low as Terms in Months
APR as low as
7.74%
Terms in Months
1 to 36 months
APR as low as
7.99%
Terms in Months
37 to 48 months
APR as low as
8.24%
Terms in Months
49 to 60 months
APR as low as
8.99%
Terms in Months
61 to 72 months

APR=Annual Percentage Rate. Rates are subject to change at any time and may vary based on such factors as credit score, loan-to-value ratio, year of vehicle and amount of the loan. Maximum loan-to-value ratio up to 90%.

Used Auto Loans

APR as low as Term in Months
APR as low as
8.74%
Term in Months
1 to 36 months
APR as low as
8.99%
Term in Months
37 to 48 months
APR as low as
9.24%
Term in Months
48 to 60 months

APR = Annual Percentage Rate. Rates are subject to change at any time and may vary based on such factors as credit score, loan-to-value ratio, year of vehicle and amount of loan. Maximum loan-to-value ratio up to 90%.

New Recreational Vehicle Loans

APR as low as Term in Months
APR as low as
9.99%
Term in Months
1 to 36 months
APR as low as
10.24%
Term in Months
37 to 48 months
APR as low as
10.79%
Term in Months
48 to 60 months

APR=Annual Percentage Rate. Rates are subject to change at any time and may vary based on such factors as credit score, loan-to-value ratio, year of vehicle and amount of the loan. Maximum loan-to-value ratio up to 85%.

Used Recreational Vehicle Loans

APR as low as Term in Months
APR as low as
11.99%
Term in Months
1 to 36 months
APR as low as
12.49%
Term in Months
37 to 48 months

APR=Annual Percentage Rate. Rates are subject to change at any time and may vary based on such factors as credit score, loan-to-value ratio, year of vehicle and amount of the loan. Maximum loan-to-value ratio up to 75%.

Personal Loans

APR as low as Minimum Loan Amount Term in Months
APR as low as
14.50%
Minimum Loan Amount
$2,500
Term in Months
12 to 36 months
APR as low as
15.00%
Minimum Loan Amount
$2,500
Term in Months
37 to 60 months

APR=Annual Percentage Rate. Rates are subject to change at any time and may vary based on such factors as credit score, loan-to-value ratio, and amount of the loan.