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Deposit Rates

Rates effective as of October 19, 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 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.
Member 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 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.
Member 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 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.
Member 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 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
Member 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 1.00% 1.00% Quarterly Quarterly Open Now
6 Month* $1,000 $1,000 1.30% 1.31% Quarterly Quarterly Open Now
12 Month* $1,000 $1,000 3.94% 4.01% Quarterly Quarterly Open Now
24 Month* $1,000 $1,000 2.88% 2.91% Quarterly Quarterly Open Now
36 Month* $1,000 $1,000 2.00% 2.02% Quarterly Quarterly Open Now
48 Month* $1,000 $1,000 2.10% 2.12% Quarterly Quarterly Open Now
60 Month* $1,000 $1,000 2.20% 2.22% Quarterly Quarterly Open Now

Interest Rates are Subject to Change Without Notice.
Early Withdrawal Penalties May Apply.
Member 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 1.00% 1.00% Quarterly Quarterly Open Now
6 Month* $100,000 $100,000 1.30% 1.31% Quarterly Quarterly Open Now
12 Month* $100,000 $100,000 3.94% 4.01% Quarterly Quarterly Open Now
24 Month* $100,000 $100,000 2.88% 2.91% Quarterly Quarterly Open Now
36 Month* $100,000 $100,000 2.00% 2.02% Quarterly Quarterly Open Now
48 Month* $100,000 $100,000 2.10% 2.12% Quarterly Quarterly Open Now
60 Month* $100,000 $100,000 2.20% 2.22% Quarterly Quarterly Open Now

Interest Rates are Subject to Change Without Notice.
Early Withdrawal Penalties May Apply.
Member 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 1.00% 1.00% Quarterly Quarterly Open Now
6 Month* $500,000 $500,000 1.30% 1.31% Quarterly Quarterly Open Now
12 Month* $500,000 $500,000 3.94% 4.01% Quarterly Quarterly Open Now
24 Month* $500,000 $500,000 2.88% 2.91% Quarterly Quarterly Open Now
36 Month* $500,000 $500,000 2.00% 2.02% Quarterly Quarterly Open Now
48 Month* $500,000 $500,000 2.10% 2.12% Quarterly Quarterly Open Now
60 Month* $500,000 $500,000 2.20% 2.22% Quarterly Quarterly Open Now

Interest Rates are Subject to Change Without Notice.
Early Withdrawal Penalties May Apply.
Member 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