Deposit Rates
Rates effective as of May 1, 2022
WSB Checking Accounts
| Account Type | Minimum to Open | Minimum Amount Required To Obtain APY & No Fee |
Interest Rate | APY** | Interest Compounded | Interest Credited | |
|---|---|---|---|---|---|---|---|
| WSB TRADITIONAL Checking Account |
$1,000 | $1,000 | 0.20% | 0.20% | Monthly | Monthly | Open Now |
| WSB BUSINESS Checking Account |
$1,000 | $1,000 | 0.20% | 0.20% | Monthly | Monthly | Open Now |
No Minimum Balance Fee if balance does not fall below Minimum Amount
Required any day during the month
$10 Minimum Balance Fee is Charged if balance falls below Minimum Amount
Required any day during the month
Accrued Interest for the month is forfeited if the balance falls below Minimum Amount Required any day during the month.
Accrued Interest for the month is forfeited if the Account is closed before the end of the month.
Account is subject to an Overdraft Fee of $25.00 for each item.
Account is subject to an Insufficient Fee of $25.00 for each item.
Account is subject to a Returned Deposit Item Fee of $5.00 for each deposit item returned.
Account is subject to a Daily Fee of $2.00 per day for each day an account is overdrawn.
Account is FDIC Insured up to the current limits provided by the FDIC.
Interest Rates are Subject to Change Without Notice.
WSB TRADITIONAL Money Market Demand Accounts (MMDA)
| Account Type | Minimum to Open | Minimum Amount Required To Obtain APY & No Fee |
Interest Rate | APY** | Interest Compounded | Interest Credited | |
|---|---|---|---|---|---|---|---|
| WSB TRADITIONAL MMDA Account |
$1,000 | $0-$999.99 | N/A | Monthly | Monthly | Open Now | |
| $1,000 | $1,000- $9,999.99 |
0.20% | 0.20% | Monthly | Monthly | ||
| $1,000 | $10,000- $49,999 |
0.30% | 0.30% | Monthly | Monthly | ||
| $1,000 | $50,000- $99,999 |
0.40% | 0.40% | Monthly | Monthly | ||
| $1,000 | Over $100,000 |
0.50% | 0.50% | Monthly | Monthly |
No Minimum Balance Fee if balance does not fall below Minimum Amount
Required any day during the month
$10 Minimum Balance Fee is Charged if balance falls below Minimum Amount
Required any day during the month
Accrued Interest for the month is forfeited if the Account is closed before the end of the month.
Account is subject to an Overdraft Fee of $25.00 for each item.
Account is subject to an Insufficient Fee of $25.00 for each item.
Account is subject to a Returned Deposit Item Fee of $5.00 for each deposit item returned.
Account is subject to a Daily Fee of $2.00 per day for each day an account is overdrawn.
Account is FDIC Insured up to the current limits provided by the FDIC.
MMDA is subject to a Withdrawal Limit of six (6) transfers during four week period; Unlimited if made in person, by mail, ATM
Interest Rates are Subject to Change Without Notice.
WSB PREMIER Money Market Demand Accounts (MMDA)
| Account Type | Minimum to Open | Minimum Amount Required To Obtain APY & No Fee |
Interest Rate | APY** | Interest Compounded | Interest Credited | |
|---|---|---|---|---|---|---|---|
| WSB PREMIER 25 MMDA Account *** |
$25,000 | $25,000 | 0.50% | 0.50% | Monthly | Monthly | Open Now |
| WSB PREMIER 50 MMDA Account *** |
$50,000 | $50,000 | 0.55% | 0.55% | Monthly | Monthly | Open Now |
| WSB PREMIER 75 MMDA Account *** |
$75,000 | $75,000 | 0.60% | 0.60% | Monthly | Monthly | Open Now |
| WSB PREMIER 100 MMDA Account *** |
$100,000 | $100,000 | 0.70% | 0.70% | Monthly | Monthly | Open Now |
| WSB PREMIER 250 MMDA Account *** |
$250,000 | $250,000 | 0.80% | 0.80% | Monthly | Monthly | Open Now |
No Minimum Balance Fee if balance does not fall below Minimum Amount
Required any day during the month
$10 Minimum Balance Fee is Charged if balance falls below Minimum Amount
Required any day during the month
Accrued Interest for the month is forfeited if the Account is closed before the end of the month.
Account is subject to an Overdraft Fee of $25.00 for each item.
Account is subject to an Insufficient Fee of $25.00 for each item.
Account is subject to a Returned Deposit Item Fee of $5.00 for each deposit item returned.
Account is subject to a Daily Fee of $2.00 per day for each day an account is overdrawn.
Account is FDIC Insured up to the current limits provided by the FDIC.
MMDA is subject to a Withdrawal Limit of six (6) transfers during four week period; Unlimited if made in person, by mail, ATM
Interest Rates are Subject to Change Without Notice.
WSB Savings Account
| Account Type | Minimum to Open | Minimum Amount Required To Obtain APY & No Fee |
Interest Rate | APY** | Interest Compounded | Interest Credited | |
|---|---|---|---|---|---|---|---|
| WSB TRADITIONAL Savings* | $200 | $200 | 0.20% | 0.20% | Quarterly | Quarterly | Open Now |
| WSB JUNIOR Savings* | $25 | $25 | 0.20% | 0.20% | Quarterly | Quarterly | Open Now |
No Minimum Balance Fee if balance does not fall below Minimum Amount Required any day during the month
$10 Minimum Balance Fee is Charged if balance falls below Minimum Amount Required any day during the month
Accrued Interest for the month is forfeited if the Account is closed before the end of the month.
Account is subject to an Overdraft Fee of $25.00 for each item.
Account is subject to an Insufficient Fee of $25.00 for each item.
Account is subject to a Returned Deposit Item Fee of $5.00 for each deposit item returned.
Account is subject to a Daily Fee of $2.00 per day for each day an account is overdrawn.
Account is subject to a Lost Passbook Fee of $15.00 to replace lost or destroyed passbook.
SAVINGS Account is subject to a Free Withdrawal Limit of one (1) per month; Additional Withdrawal Fee is $5.00 each
Account is FDIC Insured up to the current limits provided by the FDIC.
Interest Rates are Subject to Change Without Notice.
WSB TRADITIONAL CDs >$1,000<$100,000
| Maturity | Minimum Amount to open | Min Amt to Obtain APY | Interest Rate | APY** | Interest Compounded | Interest Credited | |
|---|---|---|---|---|---|---|---|
| 3 Month* | $1,000 | $1,000 | 0.30% | 0.30% | Quarterly | Quarterly | Open Now |
| 6 Month* | $1,000 | $1,000 | 0.40% | 0.40% | Quarterly | Quarterly | Open Now |
| 12 Month* | $1,000 | $1,000 | 0.80% | 0.80% | Quarterly | Quarterly | Open Now |
| 24 Month* | $1,000 | $1,000 | 1.05% | 1.06% | Quarterly | Quarterly | Open Now |
| 36 Month* | $1,000 | $1,000 | 1.10% | 1.11% | Quarterly | Quarterly | Open Now |
| 48 Month* | $1,000 | $1,000 | 1.15% | 1.16% | Quarterly | Quarterly | Open Now |
| 60 Month* | $1,000 | $1,000 | 1.15% | 1.16% | Quarterly | Quarterly | Open Now |
Interest Rates are Subject to Change Without Notice.
Account is subject to an Early Withdrawal Penalty of Three Months of Accrued Interest.
Account is FDIC Insured up to the current limits provided by the FDIC.
We can customized your exact Maturity Date to meet your requirements; Interest Rate adjusted to Maturity Date.
WSB JUMBO CDs >$100,000<$500,000
| Maturity | Minimum Amount to open | Min Amt to Obtain APY | Interest Rate | APY** | Interest Compounded | Interest Credited | |
|---|---|---|---|---|---|---|---|
| 3 Month* | $100,000 | $100,000 | 0.30% | 0.30% | Quarterly | Quarterly | Open Now |
| 6 Month* | $100,000 | $100,000 | 0.40% | 0.40% | Quarterly | Quarterly | Open Now |
| 12 Month* | $100,000 | $100,000 | 0.80% | 0.80% | Quarterly | Quarterly | Open Now |
| 24 Month* | $100,000 | $100,000 | 1.05% | 1.06% | Quarterly | Quarterly | Open Now |
| 36 Month* | $100,000 | $100,000 | 1.10% | 1.11% | Quarterly | Quarterly | Open Now |
| 48 Month* | $100,000 | $100,000 | 1.15% | 1.16% | Quarterly | Quarterly | Open Now |
| 60 Month* | $100,000 | $100,000 | 1.15% | 1.16% | Quarterly | Quarterly | Open Now |
Interest Rates are Subject to Change Without Notice.
Account is subject to an Early Withdrawal Penalty of Three Months of Accrued Interest.
Account is FDIC Insured up to the current limits provided by the FDIC.
We can customized your exact Maturity Date to meet your requirements; Interest Rate adjusted to Maturity Date.
* Total CD Maximum Limit at WSB is $2,000,000 per Family or Entity.
WSB PREMIER* CDs >$500,000
| Maturity | Minimum Amount to open | Min Amt to Obtain APY | Interest Rate | APY** | Interest Compounded | Interest Credited | |
|---|---|---|---|---|---|---|---|
| 3 Month* | $500,000 | $500,000 | 0.30% | 0.30% | Quarterly | Quarterly | Open Now |
| 6 Month* | $500,000 | $500,000 | 0.40% | 0.40% | Quarterly | Quarterly | Open Now |
| 12 Month* | $500,000 | $500,000 | 0.80% | 0.80% | Quarterly | Quarterly | Open Now |
| 24 Month* | $500,000 | $500,000 | 1.05% | 1.06% | Quarterly | Quarterly | Open Now |
| 36 Month* | $500,000 | $500,000 | 1.10% | 1.11% | Quarterly | Quarterly | Open Now |
| 48 Month* | $500,000 | $500,000 | 1.15% | 1.16% | Quarterly | Quarterly | Open Now |
| 60 Month* | $500,000 | $500,000 | 1.15% | 1.16% | Quarterly | Quarterly | Open Now |
Interest Rates are Subject to Change Without Notice.
Account is subject to an Early Withdrawal Penalty of Three Months of Accrued Interest.
Account is FDIC Insured up to the current limits provided by the FDIC.
We can customized your exact Maturity Date to meet your requirements; Interest Rate adjusted to Maturity Date.
* Premier CD Maximum Limit at WSB is $2,000,000 per Family or Entity
**APY = ANNUAL PERCENTAGE YIELD
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