It’s actually a 14 month term CD.  Selectcdrates.com groups bank CD terms between 10 months and 18months into the one year CD rate category.  In Wisconsin, the bank with the highest CD rate in this category is Laona State Bank.  Laona State Bank has a 14 month CD with an interest rate of 4.07% APY.  The minimum deposit for their CD special is $10,000.00.  Accompanying this CD special, Laona State Bank also offers a three year CD with an interest rate of 4.25% APY.  On the shorter term CDs, the bank has the following products available; a 30-89 day CD with a rate of 2.27% APY, 90-179 days with an interest rate 2.53% APY and a 180-364 day CD that yields 2.78% APY.

Laona State Bank’s main office is in Laona, Wisconsin.  The bank has 6 other bank branches in Armstrong Creek, 2 locations in Crandon, 2 locations in Lakewood and a bank branch in Wabeno.  Along with bank CDs listed, Laona State Bank offers a variety other personal and business bank products and services.  The bank offers checking accounts with a regular checking account and a “Comfort” checking account.  The bank provides interest checking accounts which include; Now accounts, super Now accounts, “Gold Checking Accounts” and individual money market accounts.  Savings account include; passbook savings, Christmas club and Health Savings Account (HSA).  Additional savings vehicles provided by the bank include; variable rate IRAs, traditional IRAs, Roth IRAs and Coverdell Educational Savings Account (CESA).  Of course, the bank offers debit card, ATM cards, VISA credit cards and overdraft protection.

Interest rates subject to change without notice.  For additional information regarding current rates, products and services contact a bank representative at 888-674-5333.  Laona State Bank’s website is located at www.laonastatebank.com.  The bank data was updated as of December 14, 2008.

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