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Deposit Rates

 

Checking Accounts

Account Type

Interest Rate1

Annual Percentage Yield1

Minimum Deposit to Open Account

Minimum Balance to obtain APY2

Interest Checking

0.100%

0.100%

$500.00

$500.00

Non-Interest Checking

N/A

N/A

$100.00

N/A

Simply Debit

N/A

N/A

$1.00

N/A

1 Annual Percentage Yield (APY) and interest rates are current as of February 5, 2024 and may change at our discretion.  Current rates will be quoted at the time of account opening. Interest begins to accrue on the business day of your deposit. Interest is compounded daily and credited monthly. Should you close you account before interest is credited, you will receive the accrued interest. 
2 Annual Percentage Yield (APY) assumes interest remains on deposit. Fees could reduce earnings.

Savings and Money Market Accounts

Account Type

Interest Rate1

Annual Percentage Yield1

Minimum Deposit to Open Account

Minimum Balance to obtain APY2

Passbook Savings3

0.150%

0.150%

$10.00

$10.00

Statement Savings

0.150%

0.150%

$10.00

$10.00

Money Market

0.150%
0.100%

0.150%
0.100%

$1,000.00

$1,000.00
$1.00 - $999.99

1 Annual Percentage Yield (APY) and interest rates are current as of February 5, 2024 and may change at our discretion.  Current rates will be quoted at the time of account opening. Interest begins to accrue on the business day of your deposit. Interest is compounded daily and credited quarterly; interest to Money Market accounts is credited monthly.  Should you close your account before interest is credited, you will receive the accrued interest.
2 Annual Percentage Yield (APY) assumes interest remains on deposit.  Withdrawal of interest will reduce earnings.
3 No electronic withdrawals are allowed from this type of account. Passbook must be present for withdrawals.

 

Christmas and Vacation Clubs

Account Type

Interest Rate1

Annual Percentage Yield1

Minimum Deposit to Open Account

Minimum Balance to obtain APY

Christmas Club

0.150%

0.150%

$1.00

$1.00

Vacation Club

0.150%

0.150%

$1.00

$1.00

Clubs available in any amount from $1.00 and up. These are passbook accounts.
1 Annual Percentage Yield (APY) and interest rates are current as of February 5, 2024 and may change at our discretion.  Current rates will be quoted at the time of opening account. Interest begins to accrue on the business day of your deposit.  Interest is compounded daily and credited to the account at club maturity.

Christmas Club checks are issued in October - Vacation Club checks are issued in April.

 

Certificates of Deposit - Regular and IRAs

Account Term

Interest Rate

Annual Percentage Yield

Minimum Deposit to Open Account

Minimum Balance to obtain APY2

6 Months

4.940%

5.000%

$1,000.00

$1,000.00

9 Months*

3.470%

3.500%

$1,000.00

$1,000.00

12 Months

1.000%

1.000%

$500.00

$500.00

13 Months*

4.610%

4.700%

$500.00

$500.00

24 Months

1.250%

1.250%

$500.00

$500.00

36 Months

1.490%

1.500%

$500.00

$500.00

48 Months

1.740%

1.750%

$500.00

$500.00

60 Months

1.990%

2.000%

$500.00

$500.00

1 Annual Percentage Yield (APY) and interest rates are current as of February 5, 2024 and may change at our discretion.  Current rates will be quoted at the time of account opening.
2 Annual Percentage Yield (APY) assumes interest remains on deposit. Withdrawal of interest will reduce earnings.

  • *Special Offers Certificates:  Specials are for a limited time period and can be withdrawn at our discretion
  • Once the certificate is opened you may not make any deposits into the account until it reaches maturity
  • The interest rate for your certificate will be paid until it's maturity date
  • Certificates will automatically renew at maturity
  • You will have seven (7) calendar days from the maturity date to renew, close, or withdraw funds from your certificate without being charged a penalty

    • Interest is compounded monthly and will be credited by one of these methods:
    • To your certificate monthly
    • By a check or transfer to another WFS account monthly ($5,000.00 minimum balance required)
    • To your certificate at maturity

      • Penalties for IRA CDs:
      • Early Withdrawal Penalty is waived if 59 ½ years or older and the withdrawal is a distribution reportable under the Internal Revenue Code, or the Accountholder is disabled
      • Penalties for Regular CDs:
      • 3 months interest, earned or unearned, on terms less than 1 year
      • 6 months interest, earned or unearned, on terms 1 year and over
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