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 if 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%
|
Annual Percentage Yields (APYs) are effective July 7, 2025 – July 13, 2025, and are subject to change at any time. Fees may reduce earnings. FVSBank reserves the right to limit new accounts to people residing in its Wisconsin market areas.
Business Interest Checking
| Account | Rate | APY |
|---|---|---|
Account FVSBank Business Interest Checking | Rate 0.10% | APY 0.10% |
Annual Percentage Yields (APYs) are effective July 7, 2025 – July 13, 2025, and are subject to change at any time. Fees may reduce earnings. FVSBank reserves the right to limit new accounts to people residing in its Wisconsin market areas.
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
0.050%
| 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
| 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
|
Annual Percentage Yields (APYs) are effective July 7, 2025 – July 13, 2025, and are subject to change at any time. Fees may reduce earnings. FVSBank reserves the right to limit new accounts to people residing in its Wisconsin market areas.
HSA
| 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%
|
Health Savings Account (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.
Annual Percentage Yields (APYs) are effective July 7, 2025 – July 13, 2025, and are subject to change. Fees may reduce earnings. FVSBank reserves the right to limit new accounts to people residing in its Wisconsin market areas.
Money Market Account
| 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%
|
Learn More about Money Market Accounts
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 July 7, 2025 – July 13, 2025, and are subject to change at any time. Fees may reduce earnings. FVSBank reserves the right to limit new accounts to people residing in its Wisconsin market areas.
Premium Money Market
| Deposit Range | Rate | APY |
|---|---|---|
Deposit Range
$0 - $49,999 | Rate
0.00% | APY
0.00% |
Deposit Range
$50,000 - $99,999
| Rate
2.05%
| APY
2.07%
|
Deposit Range
$100,000 - $249,999
| Rate
2.30%
| APY
2.32%
|
Deposit Range
$250,000 & over
| Rate
2.80%
| APY
2.84%
|
Learn More about Premium Market Accounts
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 July 7, 2025 – July 13, 2025, and are subject to change at any time. Fees may reduce earnings. FVSBank reserves the right to limit new accounts to people residing in its Wisconsin market areas.
Business Money Market
| 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 $50,000 - $99,999 | Rate 1.15% | APY 1.16% |
Deposit Range $100,000 + | Rate 1.25% | APY 1.26% |
Learn More about Business Money Market Accounts
Business Money Market funds require $5,000 to open and money market regulations apply. If the balance falls below $5,000 a $10.00 monthly service charge applies. $5 paper statement fee waived with digital statements.
Annual percentage yields (APYs) are effective July 7, 2025 – July 13, 2025, and are subject to change at any time. Fees may reduce earnings. FVSBank reserves the right to limit new accounts to people residing in its Wisconsin market areas.
Premium Business Money Market
| Deposit Range | Rate | APY |
|---|---|---|
Deposit Range $0 - $49,999 | Rate 0.00% | APY 0.00% |
Deposit Range $50,000 - $99,999 | Rate 2.05% | APY 2.32% |
Deposit Range $100,000 - $249,999 | Rate 2.30% | APY 2.38% |
Deposit Range $250,000 & over | Rate Relationship pricing, see an FVSBank Banker for details |
Learn More about Premium Business Money Market Accounts
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. $5 paper statement is waived with digital statements.
Annual percentage yields (APYs) are effective July 7, 2025 – July 13, 2025, and are subject to change at any time. Fees may reduce earnings. FVSBank 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
4.15%
| APY
4.19%
|
Term
13 Month | Minimum Opening Deposit
$5,000
| Rate
4.00%
| APY
4.00%
|
Term
1 Year
| Minimum Opening Deposit
$500
| Rate
2.00%
| APY
2.00%
|
Term
19 Months | Minimum Opening Deposit
$5,000 | Rate
3.50% | APY
3.50% |
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%
|
Learn More about Certificates of Deposit
Annual Percentage Yields (APYs) are effective July 7, 2025 – July 13, 2025, 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.
IRA Investment Accounts
| Term | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
Term
7 Month
| Minimum Opening Deposit
$5,000
| Rate
4.15%
| APY
4.19%
|
Term
13 Month
| Minimum Opening Deposit
$5,000
| Rate
4.00%
| APY
4.00%
|
Term
1 Year
| Minimum Opening Deposit
$500
| Rate
2.00%
| APY
2.00%
|
Term
19 Month | Minimum Opening Deposit
$5,000 | Rate
3.50% | APY
3.50% |
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%
|
Learn More about IRA Investment Accounts
Annual Percentage Yields (APYs) are effective July 7, 2025 – July 13, 2025, 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.
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%
|
Annual Percentage Yields (APYs) are effective July 7, 2025 – July 13, 2025 and are subject to change at any time. Fees may reduce earnings. FVSBank reserves the right to limit new accounts to people residing in its Wisconsin market areas.
Mortgage Loans
| Type of Home Mortgage | Rate | APR | Payment Example per $1,000 borrowed |
|---|---|---|---|
Type of Home Mortgage
10 Year Fixed
| Rate
6.125% | APR
6.419% | Payment Example per $1,000 borrowed
$11.16 |
Type of Home Mortgage
15 Year Fixed
| Rate
6.125% | APR
6.333%
| Payment Example per $1,000 borrowed
$8.51
|
Type of Home Mortgage
20 Year Fixed
| Rate
6.750%
| APR
6.926%
| Payment Example per $1,000 borrowed
$7.60
|
Type of Home Mortgage
30 Year Fixed
| Rate
6.875% | APR
7.027%
| Payment Example per $1,000 borrowed
$6.57
|
Type of Home Mortgage
HomeAccess | Rate
6.625% | APR
6.758% | Payment Example per $1,000 borrowed
$6.40
|
Type of Home Mortgage
3/1 Adjustable-Rate Mortgage
| Rate
as low as 5.95% | APR
as low as 5.95% | Payment Example per $1,000 borrowed
as low as $7.605 |
Type of Home Mortgage
5/1 Adjustable-Rate Mortgage
| Rate
call for rates | APR
call for rates | |
Type of Home Mortgage
7/1 Adjustable-Rate Mortgage | Rate
cal for rates | APR
call for rates | |
Type of Home Mortgage
10/1 Adjustable-Rate Mortgage | Rate
call for rates | APR
call for rates |
Fixed Rate Mortgage Disclaimers: APR = Annual Percentage Rate. Mortgage loan rates are effective for July 10, 2025, 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.
Adjustable-Rate Mortgage Disclaimers: *Rate effective as of 3/3/2025. Payment example: A 30-year loan with an initial interest rate of 5.950%, the payment for 36 months would be $5.96 per $1,000 . The maximum amount the interest rate can rise under this program is 6 percentage points to 11.950% and the monthly payment can rise to $9.88 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.
Home Equity Loans
| APR as low as | Terms in Months |
|---|---|
APR as low as
6.75%
| Terms in Months
1 to 36
|
APR as low as
6.95%
| Terms in Months
37 to 60
|
APR as low as
7.50%
| 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
8.00% | Loan to Value
90% 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 May 7, 2025, Prime Rate is 7.50%. Prime Rate is the advertised rate in the “Money Rates” table in the Wall Street Journal. The Prime Rate is 7.50% + .50%; the APR would be 8.00%. 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.
New Construction Loan
| Type | Rate/APR |
|---|---|
Type
12 Month Note
| Rate/APR
5.95%
|
Apply Now for New Construction 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, 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
|
Apply Now for New 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%.
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
|
Apply Now for Used 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 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.