CDs & IRAs

Waumandee State Bank offers Certificate of Deposit (CD) and Individual Retirement Accounts (IRA) in many different term periods. These can range anywhere from three months to sixty months. This wide range means you can pick the best term to suit your needs. Click the button below to start the account opening process now.

Online Account Opening

Certificates of Deposit

Certificates of deposit offer a way to earn a predictable interest rate on money that you don’t need access to right away. Our certificates give you a guaranteed rate for a fixed term. The interest can be compounded, transferred to your checking or savings account, or paid to you by check. Please call any of our bank locations for the most current Annual Percentage Yield (APY) and interest rate information.

Term	3, 6 & 12 Month	18 & 30 Month	24, 36, 48, & 60 Month
Minimum Opening Deposit	$500.00	$500.00	$500.00
Minimum Daily Balance^* to Obtain APY	N/A	N/A	N/A
Interest Payment Frequency	At Maturity	Semi-Annually	Annually

Individual Retirement Accounts

Concerned about your financial future? An Individual Retirement Account (IRA) may be right for you. We offer several ways to save in either a Roth, Traditional, or Simple IRA. Each of these have their own tax advantages. Consult your tax advisor, and then contact one of our Personal Bankers to set up the IRA that is right for you and your retirement. Please call any of our bank locations for the most current Annual Percentage Yield (APY) and interest rate information.

Term	3, 6 & 12 Month	18 & 30 Month	24, 36, 48, & 60 Month	IRA Savings** Account
Minimum Opening Deposit	$500.00	$500.00	$500.00	N/A
Minimum Daily Balance^* to Obtain APY	N/A	N/A	N/A	$0.01
Interest Payment Frequency	At Maturity	Semi-Annually	Annually	Quarterly

* Daily balance (the amount of principal in the account each day)

**Savings IRA APY's and rates may change after the account has been opened.

Please note: The disclosed APY assumes that interest will remain on deposit. The APY is defined as a percentage rate reflecting the annualized interest paid on an account based upon the indicated frequency of compounding for a 365/366 day period. Fees or withdrawals will reduce earnings. There may be a penalty on funds withdrawn prior to maturity on all Certificates of Deposit. Disclosures on fees, transaction limitations and other product features are contained in our Deposit Account Information Brochure.

Any interest rates and Annual Percentage Yields (APY’s) listed are current as of today's date, but are subject to change at any time.