View current FVSBank rates
Compare current rates for checking, savings, money market accounts, certificates of deposits, IRAs, HSAs, and mortgage loans. Rates are updated regularly and are subject to change.
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Connect with an FVSBanker for personalized guidance.
Featured rates
Personal banking rates
Savings
Savings3
| Account | Minimum Opening Deposit | Rate | APY | Monthly Service Fee |
|---|---|---|---|---|
Account
FVSBank Personal Savings
| Minimum Opening Deposit
$100
| Rate
0.10%
| APY
0.10%
| Monthly Service Fee
$5.00
|
FVSBank Personal Savings
- $100 minimum opening deposit
- earns interest
- $5.00 monthly service fee waived with
- $100 minimum daily balance and
- enrollment in Digital Statements
HSA
HSA4
| Balance | Rate | APY |
|---|---|---|
Balance
$0 - $49 | Rate
0.00% | APY
0.00% |
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%
|
Why an HSA?
- Tax-advantage savings
- $4 monthly maintenance fee waived with
- $50 average daily balance or
- direct deposit
- Earn interest on your balance
- Use funds for qualified medical expenses
Money Market
Money Market Account5
| Deposit Range | Rate | APY |
|---|---|---|
Deposit Range
$0 - $499 | Rate
0.00% | APY
0.00% |
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
1.00%
| APY
1.00%
|
Deposit Range
$50,000 - $99,999
| Rate
1.15%
| APY
1.16%
|
Deposit Range
$100,000 +
| Rate
1.25%
| APY
1.26%
|
Money Market
Minimum opening deposit: $2,500
Interest: Compounded and credited every statement cycle
Monthly fee: $5, waived
- with $1,200 minimum balance and
- enrollment in Digital Statements
Deposits: Make deposits anytime or set up direct deposit
Access: Available through Digital Banking and any FVSBank location
Premium Money Market
Premium Money Market
Minimum opening deposit: $50,000
Interest: Compounded and credited every statement cycle
Monthly fee: $10, waived with
- $50,000 minimum daily balance and
- enrollment in Digital Statements
Deposits: Make deposits anytime or set up direct deposit
Access: Available through Digital Banking and any FVSBank location
Business banking rates
Business Checking
Business Checking7
| Account | Rate | APY |
|---|---|---|
Account FVSBank Business Checking | Rate 0.00% | APY 0.00% |
Account FVSBank Checking with Interest | Rate 0.10% | APY 0.10% |
Account FVSBank Business Analyzed Checking | Rate 0.00% | APY 0.00% |
Account FVSBank Community Checking | Rate 0.50% | APY 0.50% |
Account Business Club Checking | Rate 0.00% | APY 0.00% |
Best for:
Small business with lower monthly transaction activity. Includes 200 free items per month, then $0.30 per item thereafter.
Best for:
Businesses that want to earn interest on eligible balances. Earn competitive interest on balances of $1,000 or more.
Best for:
Businesses with higher transaction volume. Includes analysis statements, earnings credit, and unlimited monthly transactions at $0.25 per item.
Best for:
Nonprofits, 501(c)(3) organizations, and municipalities. Built for community-focused organizations.
Best for:
Sports leagues, clubs, associations, and community groups. Simple checking with unlimited transactions.
Business Savings
Business Savings8
Empty Cell | Minimum Opening Deposit | Rate | APY | Monthly Service Fee |
|---|---|---|---|---|
Business Savings | Minimum Opening Deposit $1,000 | Rate 0.015% | APY .015% | Monthly Service Fee $10 |
Business Savings
- competitive interest rate
- $1,000 minimum opening deposit
- $10 monthly service fee, waived with
- $1,000 average daily balance
- $5 paper statement fee, waived with
- enrollment in Digital Statements
Business Money Market
Business Money Market9
| Deposit Range | Rate | APY |
|---|---|---|
Deposit Range $0 -$499 | Rate 0.00% | APY 0.00% |
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 1.00% | APY 1.00% |
Deposit Range $50,000 - $99,999 | Rate 1.15% | APY 1.16% |
Deposit Range $100,000 + | Rate 1.25% | APY 1.26% |
Business Money Market
Minimum opening deposit: $5,000
Interest: Tiered
Monthly fee: $10, waived with $5,000 average balance
Paper statement fee: $5, waived with digital statements.
Deposits: Make deposits anytime or set up direct deposit
Access: Available through Digital Banking and any FVSBank location
Business Premium Money Market
Business Premium Money Market
Minimum opening deposit: $50,000
Interest: Tiered
Monthly fee: $25, waived with $50,000 minimum daily balance
Paper Statement fee: $5 waived with enrollment in Digital Statements
Deposits: Make deposits anytime or set up direct deposit
Access: Available through Digital Banking and any FVSBank location
CD & IRA rates
Certficiate of Deposit (CD)
Certificates of Deposit 1
| 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
3.60%
| APY
3.63%
|
Term
13 Month | Minimum Opening Deposit
$5,000
| Rate
3.75%
| APY
3.75%
|
Term
1 Year
| Minimum Opening Deposit
$500
| Rate
2.00%
| APY
2.00%
|
Term
19 Months | Minimum Opening Deposit
$5,000 | Rate
3.35% | APY
3.35% |
Term
2 Year | Minimum Opening Deposit
$500
| Rate
3.00%
| APY
3.00%
|
Term
3 Year | Minimum Opening Deposit
$500
| Rate
3.00%
| APY
3.00%
|
Term
4 Year | Minimum Opening Deposit
$500
| Rate
3.00%
| APY
3.00%
|
IRA CD
IRA (CD) Accounts11
| Term | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
Term
7 Month
| Minimum Opening Deposit
$5,000
| Rate
3.60%
| APY
3.63%
|
Term
13 Month
| Minimum Opening Deposit
$5,000
| Rate
3.75%
| APY
3.75%
|
Term
1 Year
| Minimum Opening Deposit
$500
| Rate
2.00%
| APY
2.00%
|
Term
19 Month | Minimum Opening Deposit
$5,000 | Rate
3.35% | APY
3.35% |
Term
2 Year
| Minimum Opening Deposit
$500
| Rate
3.00%
| APY
3.00%
|
Term
3 Year
| Minimum Opening Deposit
$500
| Rate
3.00%
| APY
3.00%
|
Term
4 Year
| Minimum Opening Deposit
$500
| Rate
3.00%
| APY
3.00%
|
IRA Savings
IRA Savings12
| Balance | Rate | APY |
|---|---|---|
Balance
$0 - $49.99 | Rate
0.00% | APY
0.00% |
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 +
| Rate
0.70%
| APY
0.70%
|
Mortgage Rates
Mortgage rates
Mortgage Loans13
Home Equity Line of Credit
HELOC Special Offer
| Promotional APR as low as | Promotional Time Period | Loan to Value |
|---|---|---|
Promotional APR as low as 5.25% | Promotional Time Period 18 months from closing date | Loan to Value 80% or less |
APR = Annual Percentage Rate. This Home Equity Line of Credit has a variable rate with a floor of 4.5% and a ceiling of 18.00% APR. Floor is subject to change based on such factors as credit score. As of December 11, 2025, Prime Rate is 6.75%. Prime Rate is the advertised rate in the “Money Rates” table in the Wall Street Journal. The APR would be Prime + a margin between 0.00% and 1.25 % based on creditworthiness. The APR would be 6.75%. 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. Limited to 90% maximum loan-to-value ratio. Homeowners Insurance is required. FVSBank is limited to making home equity loans in Wisconsin.
**Promotional HELOC Disclaimers: *APR = Annual Percentage Rate. This Home Equity Line of Credit has a variable rate with a floor as low as 4.50% and a ceiling of 18.00% APR. As of February 18, 2026, Prime Rate is 6.75%. The introductory APR applies for the first 18 months after account opening. After the introductory period, the APR will be Prime + a margin between 0.00% and 1.25% based on creditworthiness and will adjust when the Prime Rate changes thereafter. Prime Rate is the advertised rate in the Wall Street Journal. Available to qualified borrowers. Offer subject to change at any time. The yearly maintenance fee of $50 is waived for the first year. Homeowners Insurance is required. New home equity lines of credit only.
Vehicle Loans
Personal Loans
Personal Loans
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.
Frequently Asked Questions
How often does FVSBank change rates?
Rates are subject to change at any time. Check this page for current posted rates or contact an FVSBanker.
What does APY mean?
APY stands for Annual Percentage Yield. It reflects the total amount of interest earned in one year, including compounding.
Are fees included in the APY?
Fees may reduce earnings. Review the account disclosures or talk with a banker for details.
What is the difference between APY and rate?
The interest rate is the stated rate paid on the account. APY reflects the annual yield after compounding.
Are mortgage rates guaranteed?
Mortgage rates are subject to change and may vary based on credit score, loan-to-value ration, property type, loan amount, and underwriting approval.
Personal banking rates disclaimers:
1Certificate of Deposit: Annual Percentage Yields (APYs) are effective June 22, 2026 – June 28, 2026, and are subject to change at any time. Fees may reduce earnings. Penalties may apply for early withdrawal. FVSBank reserves the right to limit new accounts to people residing in its Wisconsin market areas.
2Checking: APY=Annual Percentage Yield. $50 minimum opening deposit for FVSBank Rewards Plus Checking. To waive the $6.00 monthly service fee, an average daily balance of $5,000 must be maintained and enrolled in digital statements.
3Savings: Annual Percentage Yields (APYs) are effective June 22, 2026 – June 28, 2026, and are subject to change at any time. Fees may reduce earnings. FVSBank reserves the right to limit new accounts to individuals residing in its Wisconsin market area. FVSBank Personal Savings monthly service fee of $5.00 may be waived if the account maintains the minimum average daily balance and is enrolled in digital statements.
4Health Savings Account (HSA): Annual Percentage Yields (APYs) are effective June 22, 2026 – June 28, 2026, and are subject to change. Fees may reduce earnings. FVSBank reserves the right to limit new accounts to individuals residing in its Wisconsin market areas. HSA requires $50 to open. A 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.
5Money Market Accounts: Annual Percentage Yields (APYs) are effective June 22, 2026 – June 28, 2026, and are subject to change at any time. Fees may reduce earnings. FVSBank reserves the right to limit new accounts to individuals residing in its Wisconsin market areas. 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.
6Premium Money Market: Annual Percentage Yields (APYs) are effective June 22, 2026 – June 29, 2026, and are subject to change at any time. Fees may reduce earnings. FVSBank reserves the right to limit new accounts to individuals residing in its Wisconsin market areas. 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 fee applies. Eligibility for this account requires an FVSBank checking account with direct deposit.
Business banking rates disclaimers:
7Business Checking: Annual Percentage Yields (APYs) are effective June 22, 2026 – June 28, 2026, and are subject to change at any time. Fees may reduce earnings. FVSBank reserves the right to limit new accounts to individuals residing in its Wisconsin market areas.
8Business Savings: Annual Percentage Yields (APYs) are effective June 22, 2026 – June 28, 2026, and are subject to change at any time. Fees may reduce earnings. FVSBank reserves the right to limit new accounts to individuals residing in its Wisconsin market areas. FVSBank Business Savings monthly service fee of $10.00 may be waived if the account maintains the minimum average daily balance and is enrolled in digital statements. Minimum deposit of $1,000 is required for this account.
9Business Money Market: Annual Percentage Yields (APYs) are effective June 22, 2026 – June 28, 2026, and are subject to change at any time. Fees may reduce earnings. FVSBank reserves the right to limit new accounts to individuals residing in its Wisconsin market areas. Business Money Market funds require $5,000 to open, and money market regulations apply. If the balance falls below $5,000, a $10.00 month service fee applies. $5 monthly paper statement fee waived with enrollment in digital statements.
10Premium Business Money Market: Annual Percentage Yields (APYs) are effective June 22, 2026 – June 28, 2026, and are subject to change at any time. Fees may reduce earnings. FVSBank reserves the right to limit new accounts to individuals residing in its Wisconsin market areas. Premium Money Market funds require $50,000 to open and money market regulations apply. If the balance falls below $50,000, a $25.000 monthly service fee applies. $5 monthly paper statement fee waived with enrollment in digital statements.
IRA Rates Disclaimers:
11IRA CD: Annual Percentage Yields (APYs) are effective June 22, 2026 – June 28, 2026, and are subject to change at any time. Fees may reduce earnings. Penalties may apply for early withdrawal. FVSBank reserves the right to limit new accounts to individuals residing in its Wisconsin market areas.
12IRA Savings: Annual Percentage Yields (APYs) are effective June 22, 2026 – June 29, 2026, and are subject to change at any time. Fees may reduce earnings. FVSBank reserves the right to limit new accounts to individuals residing in its Wisconsin market areas.
13Mortgage rate disclaimers
Fixed Rate Mortgage Disclaimers: APR = Annual Percentage Rate. Mortgage loan rates are effective for June 26, 2026, 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. The 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.
Adjustable-Rate Mortgage Disclaimers: *Rate effective as of 4/1/2026. Payment example: A 30-year loan with an initial interest rate of 5.250%, the payment for 36 months would be $5.52 per $1,000 . The maximum amount the interest rate can rise under this program is 6 percentage points to 11.250% and the monthly payment can rise to $9.71 per $1,000 in the 61st month.
Introductory rate for the 3/1 ARM reflects a reduction in effective rate until the first adjustment after the third year. After the introductory period, rates are based on an index and margin. The index is the weekly average yield on the United States Treasury Securities adjusted to a constant maturity of one year, as made available by the Federal Reserve Board, plus a margin of 2.875% rounded to the nearest 1/8 of a percent. The current weekly average yield is 4.200% + margin of 2.875% rounded to the nearest 1/8th would be 7.125%. All stated payments include principal and interest only. 3/1 ARM rates available for purchases or refinances on single-family, owner-occupied homes. Annual Percentage Rates (APR) reflect 20% equity based on appraisal or sale price, whichever is lower. Rates are subject to change without notice. Rates and fees may vary based on credit score, loan-to-value, type of property and amount of loan. Additional terms and conditions apply.
14Home Equity Loan Disclaimers: 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.
15Construction loan disclaimers: 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.
Vehicle loan disclaimers:
16New Auto Loans: 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%.
17Used Auto Loans: 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%.
18New Recreational Vehicle Loans: 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%.
19Used Recreational Vehicle Loan: 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%.