Deposit Rates

Here’s How We Rate

Checking Account Rates

Comparison table of Checking Account Rates
Product	Minimum to Open	Interest Rate	APY^*	Minimum to Earn APY^*
Elite Checking ($0.00 – $24,999.99)	$2,500.00	0.10%	0.10%	$0.01
Elite Checking ($25,000.00 or more)	$2,500.00	0.15%	0.15%	$25,000.00
Business Interest Checking Account	$2,500.00	0.15%	0.15%	$0.01

Savings Account Rates

Comparison table of Savings Account Rates
Product	Minimum to Open	Interest Rate	APY^*	Minimum to Earn APY^*
Savings Account	$50.00	0.10%	0.10%	$0.01
Health Savings Account ($0.00 – $9,999.99)	$0.01	0.10%	0.10%	$0.01
Health Savings Account ($10,000.00 or more)	$0.01	0.10%	0.10%	$10,000.00

Money Market Account Rates

Comparison table of Money Market Account Rates
Product	Minimum to Open	Interest Rate	APY^*	Minimum to Earn APY^*
Personal Money Market ($0.00 – $24,999.99)	$2,500.00	0.40%	0.40%	$0.01
Personal Money Market ($25,000.00 – $99,999.99)	$2,500.00	1.00%	1.00%	$25,000.00
Personal Money Market ($100,000.00 or more)	$2,500.00	2.00%	2.02%	$100,000.00
Platinum Money Market ($0.00 - $49,999.99)	$50,000.00	0.10%	0.10%	$0.01
Platinum Money Market ($50,000.00 - $249,999.99)	$50,000.00	2.50%	2.53%	$50,000.00
Platinum Money Market ($250,000.00 or more)	$50,000.00	4.03%	4.11%	$250,000.00

Certificates of Deposit

Our CDs

Certificate of deposit (CD) rates are subject to change weekly. CDs may carry penalties for early withdrawal. Fees may reduce earnings.

Depositor may not withdraw funds from this account prior to the original or any extended maturity date of a certificate without the written authorization of Bank. Bank may impose a penalty for early withdrawal. The penalty for early withdrawal will be calculated using the interest rate being paid on the certificate at the time the early withdrawal is made. The penalty may invade the principal.

If your account has an original maturity of less than a year, the fee we impose will equal three months interest on the amount withdrawn subject to penalty.

If your account has an original maturity of one year or more, the fee we impose will equal six months interest on the amount withdrawn subject to penalty.

Talk to one of our Personal Bankers at 608-325-7766 for further information about applicable fees and terms.

PLATINUM MONEY MARKET

**Minimum Opening Balance: $50,000.00**

$0.00 to $49,999.99

.10% APY*

$50,000.00 to $249,999.99

2.53% APY*

$250,000.00 & Above

4.11% APY*

We can be your FINANCIAL SUPERHERO! Discover all the benefits with WSB today.

*Annual Percentage Yield. Minimum balance to open is $50,000.00. Minimum balance to obtain APY is $0.01. $50,000.00 minimum daily balance to avoid a service charge of $50.00. Rate is subject to change without notice. Interest will be compounded and credited monthly. MEMBER FDIC

FALL CD SPECIAL

FALL in love with Woodford. Call us today to learn more about our fall CD special!

5.06% APY* 13 Month CD

*Annual Percentage Yield. APY is accurate as of September 15, 2023 and the offer is subject to change without notice. The minimum balance to open is $1,000.00. Interest will be compounded and credited semi-annually. Will renew automatically at maturity into a 12-month certificate of deposit with prevailing APY. Fees may reduce earnings. There may be a penalty for early withdrawal. Other restrictions may apply. Personal investors only. MEMBER FDIC

Making Connections

I have been doing business with Woodford State Bank for 38 years with no problems. Yes, their service is that good. Small town bank that can serve you right away with anything.

Steve and Laurie

During the past year, our company has been working with Scott, Erik, Val and Rory. I can say that we have been more than satisfied with their services. With their expertise, they helped us through our PPP Loan process from start to finish. They took the time to answer all of our questions in detail and within a timely manner.

Glenn, Stone Mill Construction

Your service is amazing. I was working with another large, national bank that took over 90 days, and I eventually canceled. Woodford State Bank made the process extremely smooth and easy.

Jennifer

Woodford State Bank has the resources and drive to satisfy the needs of their customers. They went to great lengths to secure the best possible terms for Sugar River Cold Storage. I highly recommend them for all your personal and commercial needs.

Kody, President of Sugar River Cold Storage, Inc.

I want to express my appreciation for the excellent customer service your employees continually display. I am always welcomed with a warm smile and a personal greeting. Thank you for your great leadership and community involvement. It is a pleasure to bank with you and all the great employees at Woodford State Bank.

Greg

Woodford State Bank has been the bank of RBS Activewear, Inc. for over 30 years. It has helped us grow our business as well. We recently started working with Cole. He is professional and easy to work with. We plan to continue to work with them for all our future business needs.

Keith and Tina

I want to thank each and every person that I have been in contact with during my refinance and transfer of my home loan. During a stressful time for our world, this was made easier by the wonderful and efficient employees at Woodford State Bank. I feel content and secure knowing our forever home is in your hands!

Pam

I have worked with Michelle to refinance all three of my rental properties this year. She’s very prompt in returning my calls, looking into options for me and keeping me up to date on the progress as we went along. Woodford State Bank was great to work with, and I look forward to working with them in the future.

Sarah

The employees of Woodford State Bank are incredibly giving and creative supporters of Big Brothers Big Sisters of Green County! We always look forward to their participation in our Bowl for Kids’ Sake events because they have and share such wonderful community spirit, both internally and outwardly. Our agency is grateful for such amazing support, especially throughout the past pandemic months. Our matches, board and staff thank you all for your support!

Big Brothers/Big Sisters