Holiday Hours

On Saturday, July 4, 2026, we will be closed in observation of Independence Day. We will resume normal business hours on Monday, July 6, 2026. Thank you!

Fraud Alert: Phone Number Spoofing!

Scammers may be impersonating Ladysmith Federal and asking for personal or account information over the phone. Do not share information by phone. Hang up and call us directly at 715-532-3389.

Ladysmith Federal

Northwoods Banking at its Best

About Us

Fraud Alert: Phone Number Spoofing!

Ladysmith Federal has been notified that some customers have received phone calls from individuals impersonating Ladysmith Federal employees and requesting personal or account information. Please remember that Ladysmith Federal will never call you and ask for your personal information, account numbers, debit card information, online banking username, password, or security codes.

If you receive a suspicious call, do not provide any information. Hang up immediately and contact us directly at 715-532-3389 to report the incident. We’re always happy to help protect your accounts.

For more fraud information and preventative resources, visit our Protecting Your Money page.

Looking for a credit card that fits the way you spend? 

Whether you’re shopping for everyday needs, managing business expenses, building credit, or earning rewards, Ladysmith Federal is happy to help you find an option that fits your goals.

We offer:

  • Personal Credit Cards
  • Business Credit Cards
  • Prepaid Credit Cards
  • Rewards options, including cash back and points

From everyday purchases to life’s unexpected moments, the right card can help give you flexibility, convenience, and peace of mind.

Stop in and see us or apply online today.

Explore Personal Credit Cards

Explore Business Credit Cards

 

Credit cards are subject to credit approval and are issued by Elan Financial Services. See credit card application and important disclosures for current terms, rates, fees, conditions, and limitations. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. Zero Fraud Liability is provided by Elan Financial Services for unauthorized transactions; cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

 

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