Rates effective as of November 1, 2025
WSB Checking Accounts
| Account Type | Minimum to Open | Min. Amnt Required to obtain APY & No Fee | Interest Rate | APY** | Interest Compounded | Interest Credited |
|---|---|---|---|---|---|---|
| WSB Traditional Checking Account | $100 | $1,500 | 0.20% | 0.20% | Monthly | Monthly |
| WSB Business Checking Account |
$100 | $1,500 | 0.20% | 0.20% | Monthly | Monthly |
No Minimum Balance Fee if the balance does not fall below the Minimum Amount Required any day during the month
$12 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 $30.00 for each item.
Account is subject to a Returned Deposit Item Fee of $5.00 for each deposit item returned.
Member FDIC.
Interest Rates are Subject to Change Without Notice.
$12 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 $30.00 for each item.
Account is subject to a Returned Deposit Item Fee of $5.00 for each deposit item returned.
Member FDIC.
Interest Rates are Subject to Change Without Notice.
WSB TRADITIONAL
Money Market Demand Accounts (MMDA)
| Minimum to Open | Min. amount required to obtain APY & No Fee |
Interest Rate | APY** | Interest Compounded | Interest Credited |
|---|---|---|---|---|---|
| $2,500 | $0-$999.99 | N/A | N/A | Monthly | Monthly |
| $2,500 | $1,000- $9,999.99 |
0.20% | 0.20% | Monthly | Monthly |
| $2,500 | $10,000- $49,999 |
0.30% | 0.30% | Monthly | Monthly |
| $2,500 | $50,000- $99,999 |
0.40% | 0.40% | Monthly | Monthly |
| $2,500 | Over $100,000 |
0.50% | 0.50% | Monthly | Monthly |
No Minimum Balance Fee if the balance does not fall below the minimum Amount Required any day during the month
$12 Minimum Balance Fee is charged if the balance falls below the Minimum Amount Required on 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 $30.00 for each item.
Account is subject to a Returned Deposit Item Fee of $5.00 for each deposit item returned.
Member FDIC.
MMDA is subject to a Withdrawal Limit of six (6) transfers during a four-week period; Unlimited if made in person, by mail, ATM
Interest Rates are Subject to Change Without Notice.
$12 Minimum Balance Fee is charged if the balance falls below the Minimum Amount Required on 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 $30.00 for each item.
Account is subject to a Returned Deposit Item Fee of $5.00 for each deposit item returned.
Member FDIC.
MMDA is subject to a Withdrawal Limit of six (6) transfers during a four-week period; Unlimited if made in person, by mail, ATM
Interest Rates are Subject to Change Without Notice.
WSB Savings Accounts*
| Account Type | Minimum to Open | Min. amnt required to obtain APY & No Fee | Interest Rate | APY** | Interest Compounded | Interest Credited |
|---|---|---|---|---|---|---|
| WSB Traditional Savings Account* | $100 | $100 | 0.20% | 0.20% | Monthly | Monthly |
No Minimum Balance Fee if balance does not fall below minimum amount required on any day during the month
$4 Minimum Balance Fee is charged if balance falls below minimum amount required on 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 $30.00 for each item.
Account is subject to a Returned Deposit Item Fee of $5.00 for each deposit item returned.
Member FDIC.
Interest Rates are Subject to Change Without Notice.
$4 Minimum Balance Fee is charged if balance falls below minimum amount required on 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 $30.00 for each item.
Account is subject to a Returned Deposit Item Fee of $5.00 for each deposit item returned.
Member FDIC.
Interest Rates are Subject to Change Without Notice.
WSB Traditional CDs
| Maturity | Minimum amount to open | Min amnt to obtain APY | Interest Rate | APY* | Interest Compounded | Interest Credited |
|---|---|---|---|---|---|---|
| 3 Month** | $1,000 | $1,000 | 1.15% | 1.16% | Monthly | Monthly |
| 6 Month** | $1,000 | $1,000 | 3.88% | 3.95% | Monthly | Monthly |
| 12 Month** | $1,000 | $1,000 | 3.74% | 3.80% | Monthly | Monthly |
| 24 Month** | $1,000 | $1,000 | 2.55% | 2.58% | Monthly | Monthly |
| 36 Month** | $1,000 | $1,000 | 2.62% | 2.65% | Monthly | Monthly |
| 48 Month** | $1,000 | $1,000 | 2.78% | 2.82% | Monthly | Monthly |
| 60 Month** | $1,000 | $1,000 | 2.99% | 3.03% | Monthly | Monthly |
*Interest Rates are Subject to Change Without Notice.
**Early Withdrawal Penalties May Apply.
Member FDIC.
**Early Withdrawal Penalties May Apply.
Member FDIC.