Ready for rates that elevate your savings?

Current Rates - Effective: January 31, 2024

CD & IRA Specials

Account Product 
Minimum Opening Deposit 
Min. Bal. to obtain annual percentage yield
interest rate 
Annual Percentage Yield
*15 Month CD(a) $1,000 $1,000
4.94%
5.01%
*15 Month IRA(a) $100 $100 4.65% 4.70%
*14 Month CD(a) $1,000 $1,000 5.24% 5.31%
Grand Opening 14-Month CD Special is only available (and must be opened) at Wayne Bank’s Richmond Eastside branch located at 101 Garwood Rd. Offer may be terminated without notice. New money only. Limited time offer.
 
*Upon maturity of the initial term, CD & IRA will renew at 12 month term. You will have ten (10) calendar days after maturity to withdraw the funds without penalty. APY compounds semi-annually.
 

Money Market Account Rates

Account Product Minimum Opening Deposit Min. Bal. to obtain annual percentage yield interest rate APY
Silver Eagle Money Market Account(b) $50 No minimum
-
-
Daily balances of:




$0.00- $24,999.99
-
1.26% 1.27%

$25,000.00 - $49,999.99
-
1.50% 1.51%

$50,000.00 - $99,999.99
-
1.75% 1.76%

$100,000.00 - $249,999.99
-
2.25% 2.27%

$250,000.00 - $499,999.99
-
2.40% 2.43%

$500,000.00 - $999,999.99 -
2.90% 2.94%

$1,000,000+ - 3.35% 3.41%


Certificate Rates

Account Product 
Minimum Opening Deposit 
Min. Bal. to obtain annual percentage yield
interest rate 
Annual Percentage Yield
182 day certificate(a) $1,000 $1,000
1.50%
1.51%
1 yr certificate(a) $1,000
$1,000
2.00%
2.01%
18 month certificate(a) $1,000
$1,000
2.15% 2.16%
2 yr certificate(a) $1,000
$1,000
2.55%
2.56%
3 yr certificate(a)
$1,000
$1,000
2.95% 2.97%
4 yr certificate(a)
$1,000
$1,000
3.45% 3.48%
5 year certificate(a)
$1,000
$1,000
3.75% 3.79%


IRAs

Account Product
Minimum Opening Deposit 
Min. Bal. to obtain APY
Interest Rate Apy
1 Year IRA(a) $100 $100  2.00% 2.01%
18 Month IRA(a)
$100 $100
2.15% 2.16%
2 Year IRA(a)
$100 
$100
2.55% 2.56%
3 Year IRA(a)
$100 
$100
2.95% 2.97%
4 Year IRA(a)
$100 
$100
3.45% 3.48%
5 Year IRA(a) $100 
$100
3.75% 3.79%


Checking Accounts

Account Product Minimum Opening Deposit Min. Bal. to obtain annual percentage yield interest rate APY
50+ Interest Checking(b) $50 No minimum
0.07% 0.07%





Premier Interest Checking(b) $50 No minimum

Daily balances of:




$0.00- $1,499.99
-
0.07% 0.07%

$1,500.00 - $2,499.99
-
0.07% 0.07%

$2,500.00 - $9,999.99
-
0.10% 0.10%

$10,000.00 - $24,999.99
-
0.12% 0.12%

$25,000.00 - $49,999.99
-
0.20% 0.20%

$50,000.00+ -
0.25% 0.25%


Savings Accounts

Account Product Minimum Opening Deposit Min. Bal. to obtain annual percentage yield interest rate APY
Health Savings Account(b) $100 No minimum
-
-
Daily balances of:




$0.00- $499.99
-
0.07% 0.07%

$500.00 - $2,499.99
-
0.10% 0.10%

$2,500.00+
-
0.15% 0.15%





Regular and Youth Savings(b) $50 No minimum
-
-
Daily balances of:




$0.00- $499.99
-
0.07% 0.07%

$500.00 - $9,999.99
-
0.07% 0.07%

$10,000.00 - $24,999.99
-
0.15% 0.15%

$25,000.00 - $49,999.99
-
0.20% 0.20%

$50,000.00+
-
0.25% 0.25%





Christmas Club(b) $25 No minimum
0.07% 0.07%


Business Interest Checking

Account Product Minimum Opening Deposit Min. Bal. to obtain annual percentage yield interest rate APY
Business Interest Checking(b) $50 No minimum
-
-
Daily balances of:




$0.00- $499.99
-
0.00% 0.00%

$500.00+
-
0.07% 0.07%
(a) A penalty may be imposed for early withdrawal.
(b) The interest rate and annual percentage yield may change after account opening.
(c) Daily balance. The amount of the principal in the account each day.
 
Fees could reduce the earnings on the account. For current rate information call (888) 769-2963. Member FDIC
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