Deposit Rates

Here’s How We Rate

Checking Account Rates

Mobile-friendly Comparison table of Checking Account Rates
Product
Elite Checking ($0.00 – $24,999.99)
Minimum to Open	$2,500.00
Interest Rate	0.05%
APY^*	0.05%
Minimum to Earn APY^*	$0.01
Elite Checking ($25,000.00 or more)
Minimum to Open	$2,500.00
Interest Rate	0.10%
APY^*	0.10%
Minimum to Earn APY^*	$25,000.00
Business Interest Checking Account
Minimum to Open	$2,500.00
Interest Rate	0.10%
APY^*	0.10%
Minimum to Earn APY^*	$0.01

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	0.05%	0.05%	$0.01
Elite Checking ($25,000.00 or more)	$2,500.00	0.10%	0.10%	$25,000.00
Business Interest Checking Account	$2,500.00	0.10%	0.10%	$0.01

Savings Account Rates

Mobile-friendly Comparison table of Savings Account Rates
Product
Savings Account
Minimum to Open	$50.00
Interest Rate	0.10%
APY^*	0.10%
Minimum to Earn APY^*	$0.01
Health Savings Account ($0.00 – $9,999.99)
Minimum to Open	$0.01
Interest Rate	0.05%
APY^*	0.05%
Minimum to Earn APY^*	$0.01
Health Savings Account ($10,000.00 or more)
Minimum to Open	$0.01
Interest Rate	0.10%
APY^*	0.10%
Minimum to Earn APY^*	$10,000.00

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	0.05%	0.05%	$0.01
Health Savings Account ($10,000.00 or more)	$0.01	0.10%	0.10%	$10,000.00

Money Market Account Rates

Mobile-friendly Comparison table of Money Market Account Rates
Product
Personal Money Market ($0.00 – $24,999.99)
Minimum to Open	$2,500.00
Interest Rate	0.40%
APY^*	0.40%
Minimum to Earn APY^*	$0.01
Personal Money Market ($25,000.00 – $99,999.99)
Minimum to Open	$2,500.00
Interest Rate	1.00%
APY^*	1.00%
Minimum to Earn APY^*	$25,000.00
Personal Money Market ($100,000.00 or more)
Minimum to Open	$2,500.00
Interest Rate	1.50%
APY^*	1.51%
Minimum to Earn APY^*	$100,000.00
Platinum Money Market ($0.00 - $49,999.99)
Minimum to Open	$50,000.00
Interest Rate	0.10%
APY^*	0.10%
Minimum to Earn APY^*	$0.01
Platinum Money Market ($50,000.00 - $249,999.99)
Minimum to Open	$50,000.00
Interest Rate	1.50%
APY^*	1.51%
Minimum to Earn APY^*	$50,000.00
Platinum Money Market ($250,000.00 or more)
Minimum to Open	$50,000.00
Interest Rate	2.75%
APY^*	2.78%
Minimum to Earn APY^*	$250,000.00

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	1.50%	1.51%	$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	1.50%	1.51%	$50,000.00
Platinum Money Market ($250,000.00 or more)	$50,000.00	2.75%	2.78%	$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.

Home Sweet Home Starts HERE.

Let our Mortgage Team guide you home; your dream is within reach!

Rory Maurer

VP - Mortgage Lender | Monroe Branch

(608) 329-2054 | NMLS ID: 523674

Michelle Davis

VP - Mortgage & Commercial Lender | Monroe Branch

(608) 329-2067 | NMLS ID: 463073

Kasey Bruehlman

Mortgage & Consumer Lender | Monroe Branch

(608) 329-2072 | NMLS ID: 1696025

Debra Severson

VP - Branch Manager | Blanchardville Branch

(608) 523-4217 | NMLS ID: 423470

Diedre Neis

Mortgage & Consumer Lender | Darlington Branch

(608) 773-3023 | NMLS ID: 820415

MEMBER FDIC and EQUAL HOUSING LENDER

Your Vision, Our Financing: Transform Your Business with Us.

Stronger Businesses Mean Stronger Communities. We share your entrepreneurial spirit. Whether you’re just starting your business, growing a non-profit organization, or looking to expand any existing company into new markets, Woodford State Bank has deposit accounts, lending solutions, and other services to suit your needs. We are your full-service business partner.

Learn More

MEMBER FDIC

Making Connections

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