Chat
Current Rates
Rates/APY -Annual Percentage Yield- are effective as of 05/05/24
Rates Subject to Change Without Notice.
Consumer Deposit Accounts
| Account Type | Minimum Dollar Amount to Open Account | Minimum Dollar Amount to Obtain Annual Percentage Yield | Interest Rate | Annual Percentage Yield |
|---|---|---|---|---|
| Rewards Checking**1 | $50.00 | $0.01 – $14,999.99 $15,000.00 – above | 4.88% 0.10% | 5.00% 0.10% - 5.00% |
| Rewards Money Market*5 | $100.00 | $0.01 - $49,999.99 $50,000.00 - above | 0.15% 3.45% | 0.15% 3.50% |
| Premier Money Market*4 | $5,000.00 | Introductory Rate: First 90 Days Standard Rate Tiers: $0.01 - $4,999.99 $5,000.00 - $49,999.99 $50,000 - above | 3.45% 0.10% 2.50% 3.00% | 3.50% 0.10% 2.53% 3.04% |
| Relationship Checking* | $1,500.00 | $0.01 – $1,499.99 $1,500.00 – above | 0.05% 0.10% | 0.05% 0.10% |
| Relationship Money Market*2 | $5,000.00 | $0.01 – $4,999.99 $5,000.00 – $24,999.99 $25,000.00 – $99,999.99 $100,000.00 – $249,999.99 $250,000.00 – above | 0.15% 0.25% 0.50% 1.00% 1.24% | 0.15% 0.25% 0.50% 1.00% 1.25% |
| Freedom Money Market* | $2,500.00 | $0.01 – $4,999.99 $5,000.00 – $24,999.99 $25,000.00 – $99,999.99 $100,000.00 – $249,999.99 $250,000.00 – above | 0.05% 0.15% 0.25% 0.50% 0.75% | 0.05% 0.15% 0.15% 0.50% 0.75% |
| Health Savings Account** | $0.00 | $0.01 – $2,499.99 $2,500.00 – $9,999.99 $10,000.00 – $24,999.99 $25,000.00 – above | 0.05% 0.10% 0.20% 0.30% | 0.05% 0.10% 0.20% 0.30% |
| Health Savings Money Market*3 | $10,000.00 | $0.01 – $24,999.99 $25,000.00 – $99,999.99 $100,000.00 – above | 0.15% 0.35% 0.45% | 0.15% 0.35% 0.45% |
| Statement Savings | $50.00 | $0.01 | 0.10% | 0.10% |
| Penny the Panda Savings | $5.00 | $0.01 | 0.10% | 0.10% |
| APY= Annual Percentage Yield * Interest is calculated on the entire balance each day at the rate in effect for that balance tier. ** Interest is calculated on the portion of funds within the tier. 1- Qualifications: the following 2 (two) requirements must be met to obtain the disclosed rate and avoid the $10.00 monthly service charge :(1) eStatement enrollment, and (2) a combined total of 5 debit transactions (This can be any combination of ACH Debits or Debit Card Transactions). Qualifying debit card activity includes point-of-sale purchases/withdrawals (PIN and Signature), and ATM transactions (Transfers and withdrawals) count toward bonus qualifications. Account transactions must be posted to the account during the statement cycle to meet all qualifying requirements. If qualifications are met, balances up to $15,000 earn 5.00% APY; and balances over $15,000 earn 0.10% APY interest rate on the portion of balance over $15,000, resulting in an APY from 0.10% to 5.00% depending on the account balance. If qualifications requirements are not met, the APY is 0.05%. Fees may reduce earnings on the account. One account per tax reporting owner. Rate subject to change at any time without notice. Refer to account disclosures for full details. See a banker for more details. 2- You must have an active Rewards, BFF or Relationship checking account for the statement cycle. If the qualifying requirements are not met, the rate will default to 0.05%. 3- You must have an active Health Savings Account for the statement cycle. If the qualifying requirements are not met, the rate will default to 0.05%. 4- The introductory interest rate on your account is 3.45% with an Annual Percentage Yield (APY) of 3.50%. You will be paid this interest rate for the first 90 days after account opening. Following the 90th calendar day of account opening, interest rates for accounts with balances of $5,000 and more will adjust monthly on the 15th calendar day, based on the Fed Funds (EFFR) target rate defined as the highest rate target rate/range published on https://www.newyorkfed.org/markets/reference-rates/effr for the rate that was effective as of the last business day of the prior month. Rate tiers and rates are defined as follows: for $0.01 – $4,999.99, rate is fixed at 0.15%, $5,000.00 – $49,999.99, Fed Funds (EFFR) rate minus 3.00% and $50,000.00 – above, Fed Funds (EFFR) minus 2.50%. Interest is calculated on the entire balance each day at the rate in effect for that balance tier. Rates for tiers tied to EFFR will be updated on the 15th calendar day of the month. As an example: for the month of March 2024, the rate would be based on the Fed Funds (EFFR) target rate/range published on February 29, 2024, which was 5.50%. Rates are set as follows: for $0.01 – $4,999.99, rate 0.10% with an APY of 0.10%; $5,000.00 – $49,999.99, rate 2.50% with an APY of 2.53% and $50,000.00 – above, rate 3.00% with an APY of 3.04%. This account cannot be opened with money currently on deposit at First Federal Bank of Wisconsin. Interest will be compounded monthly and will be credited to the account monthly. First Federal Bank of Wisconsin reserves the right to discontinue this offer at any time. Interest rates are subject to change without notice. Certain activity restrictions may apply and fees could reduce earnings on the above accounts. Offer valid to consumer accounts only. 5- You must have an active Rewards Checking account for the statement cycle. If the qualifying requirements are not met, the rate will default to 0.15%. |
||||
Business Deposit Accounts
| Account Type | Minimum Dollar Amount to Open Account | Minimum Dollar Amount to Obtain Annual Percentage Yield | Interest Rate | Annual Percentage Yield |
|---|---|---|---|---|
| Premier Business Money Market*1 | $25,000.00 | Introductory Rate: First 90 Days Standard Rate Tiers: $0.01 - $24,999.99 $25,000.00 - $49,999.99 $50,000 - above | 3.69% 0.10% 3.00% 3.25% | 3.75% 0.10% 3.04% 3.30% |
| Community Checking | $1,500.00 | $0.01 – above | 0.10% | 0.10% |
| Commercial Money Market* | $2,500.00 | $0.01 - $49,999.99 $50,000.00 - $99,999.99 $100,000.00 - $249,999.99 $250,000 - $499,999.99 $500,000 - $1,499,999.99 $1,500,000.00 - above | 0.05% 0.25% 0.50% 1.00% 1.24% 1.49% | 0.05% 0.25% 0.50% 1.00% 1.25% 1.50% |
| Business Savings* | $50.00 | $0.01 – $24,999.99 $25,000.00 – above | 0.05% 0.05% | 0.05% 0.05% |
| 1031 Exchange Account | $0.00 | $0.01 – above | 0.25% | 0.25% |
| IOLTA | $0.00 | $0.01 – above | 1.24% | 1.25% |
| Municipal Money Market (Collateralized) | $50,000.00 | $0.01 - above | 5.19% | 5.32% |
| * Interest is calculated on the entire balance each day at the rate in effect for that balance tier. 1- The introductory interest rate on your account is 3.69% with an Annual Percentage Yield (APY) of 3.75%. You will be paid this interest rate for the first 90 days after account opening. Following the 90th calendar day of account opening, interest rates for accounts with balances of $25,000 and more will adjust monthly on the 15th calendar day, based on the Fed Funds (EFFR) target rate defined as the highest rate target rate/range published on https://www.newyorkfed.org/markets/reference-rates/effr for the rate that was effective as of the last business day of the prior month. Rate tiers and rates are defined as follows: for $0.01 – $24,999.99, rate is fixed at 0.10%, $25,000.00 – $49,999.99, Fed Funds (EFFR) rate minus 2.50% and $50,000.00 – above, Fed Funds (EFFR) minus 2.25%. Interest is calculated on the entire balance each day at the rate in effect for that balance tier. Rates for tiers tied to EFFR will be updated on the 15th calendar day of the month. As an example: for the month of March 2024, the rate would be based on the Fed Funds (EFFR) target rate/range published on February 29, 2024, which was 5.50%. Rates are set as follows: for $0.01 – $24,999.99, rate 0.10% with an APY of 0.10%; $25,000.00 – $49,999.99, rate 3.00% with an APY of 3.04% and $50,000.00 – above, rate 3.25% with an APY of 3.30%. This account cannot be opened with money currently on deposit at First Federal Bank of Wisconsin. Interest will be compounded monthly and will be credited to the account monthly. First Federal Bank of Wisconsin reserves the right to discontinue this offer at any time. Interest rates are subject to change without notice. Certain activity restrictions may apply and fees could reduce earnings on the above accounts. Offer valid to commercial accounts only. |
||||
Certificates of Deposit
| CD Term | Minimum Dollar Amount to Open Account and obtain APY | Interest Rate | Annual Percentage Yield* |
|---|---|---|---|
| *7 Month CD Special1 | $500.00 | 4.45% | 4.50% |
| *13 Month CD Special1 | $500.00 | 4.25% | 4.25% |
| *21 Month CD Special1 | $500.00 | 3.25% | 3.25% |
| Add On CD2 | $100.00 | 0.20% | 0.20% |
| 91 Day CD | $500.00 | 0.10% | 0.10% |
| 6 Month CD | $500.00 | 0.15% | 0.15% |
| 12 Month CD | $500.00 | 0.20% | 0.20% |
| 18 Month CD | $500.00 | 0.25% | 0.25% |
| 24 Month CD | $500.00 | 0.30% | 0.30% |
| 36 Month CD | $500.00 | 0.35% | 0.35% |
| 48 Month CD | $500.00 | 0.40% | 0.40% |
| 60 Month CD | $500.00 | 0.40% | 0.40% |
| *New Money Only APY-Annual Percentage Yield Interest is compounded annually and credited annually and at maturity with the exception of the 6 month, 7 month and 91 day CD terms which compound and credit at maturity. 1- Renewal into closest lower traditional certificate of deposit term at the current published market rate at time of renewal. 2- Unlimited deposits allowed. Maturity date is chosen by the customer and set at the time the account is opened, must be at least six (6) months from opening date. Account automatically renews into a 12 Month Add-On CD, based on selected maturity date, at the rate offered at the time of renewal. Interest rates are set at the time the CD is opened. Rates apply to the initial term only. Advertised rate and APY are offered at the bank's discretion and may change daily. Fees may reduce earnings. A penalty may be imposed for early withdrawal from the accounts listed unless otherwise noted. Refer to account disclosures for full details. See a banker for more details. |
|||
IRA Savings and Certificate of Deposits
| IRA^ Term | Minimum Dollar Amount to Open Account and obtain APY | Interest Rate | Annual Percentage Yield* |
|---|---|---|---|
| 7 Month IRA Special1 | $500.00 | 4.45% | 4.50% |
| 13 Month IRA Special1 | $500.00 | 4.25% | 4.25% |
| 21 Month IRA Special1 | $500.00 | 3.25% | 3.25% |
| Add On IRA2 | $100.00 | 0.20% | 0.20% |
| IRA Statement Savings | $0.00 | 0.10% | 0.10% |
| 12 Month IRA | $500.00 | 0.20% | 0.20% |
| 18 Month IRA | $500.00 | 0.25% | 0.25% |
| 24 Month IRA | $500.00 | 0.30% | 0.30% |
| 36 Month IRA | $500.00 | 0.35% | 0.35% |
| 48 Month IRA | $500.00 | 0.40% | 0.40% |
| 60 Month IRA | $500.00 | 0.40% | 0.40% |
| * Interest is compounded annually and credited annually and at maturity with the exception of the 6 month, 7 month and 91 day CD terms which compound and credit at maturity. 1- Renewal into closest lower traditional certificate of deposit term at the current published market rate at time of renewal. 2- Unlimited deposits allowed. Maturity date is chosen by the customer and set at the time the account is opened, must be at least six (6) months from opening date. Account automatically renews into a 12 Month Add-On IRA term based on selected maturity date, at the rate offered at the time of renewal. ^ Withdrawals from IRA products before age 59½ may be subject to additional taxes and penalties; consult your tax advisor regarding the tax implications. Certain retirement accounts are insured by the FDIC separately from non-retirement funds you may have on deposit with FFBWI. Interest rates are subject to change without notice. Fees may reduce earnings. A penalty may be imposed for early withdrawal from the accounts listed unless otherwise noted. Refer to account disclosures for full details. |
|||
